You have a policy and an agent for years. Premiums increase each cycle, but you are loyal to your agent that you have build rapport with. Should you shop around? If you are shopping with a captive agent, yes.
A captive agent refers to an individual who works for one specific insurance company. They sometimes earn a salary and commission, sometimes just the latter. Often times, these agents have to meet specific quotas or sell certain packages.
While this structure may work for large insurance company, it doesn’t necessarily cater to all clients. If you ask your agent to review your policy they can only quote you from their company. Sometimes this will indeed be the best policy, but many times there is another company eager to work hard to find you great coverage. If this is the case, how do you find this company?
How do you avoid the captive agent trap while shopping for quotes?
You could submit information to the various different insurance carriers, get all of the quotes to compare, then choose your coverage. Or, you could use a reputable independent agent that has the ability to write policies for multiple companies. At iSCHURING, we do that…and more.
Start by submitting your information – just once – for a quote. We will return a handful of quotes from our respected carriers. You can choose to review these on your own, or, one of our experts is happy to help you tackle sifting through the policies. Once you decide on a package, we will write and essentially sell that package to you. However, your experience with iSCHURING doesn’t stop there. No matter which one of our reputable carriers you opt to go with, we will be your agent, advocate, and point of contact for all of your insurance needs.
iSCHURING is committed to creating lasting relationship with our clients. We have the ability to offer multiple quotes, sell you the policy you choose, and help you with your insurance moving forward. As independent agents, we are not focused on upselling or meeting quotas – we are focused on providing you the best coverage and insurance experience.
Since you are here, why not get a free quote – no obligation and no hassle. Start here!
iSCHURING’s Resource Center is meant to provide an overview of the topic, rather than an in-depth review. When deciding how this information applies to your specific situation, we recommend discussing with an iSCHURING licensed insurance agent. Any information provided at iSCHURING may also need to be reviewed by an attorney or tax consultant to determine the best course of action for your unique situation. No information may be copied, reprinted or otherwise reproduced without the expressed written consent of iSCHURING.com.
