Most people have heard the terms “Independent Insurance Agency” and “Direct Writer,” but few people actually know what they mean. There are multiple big differences in the two ways of buying insurance that could affect which one you choose. Put simply, a direct writer sells only their companies products directly to you. An independent agent has access to multiple carriers from which they can sell products.
Independent agents work for you and put your best interest first. Even though they are paid on commission, they act as your advocate to the insurance company. Because of their ability to access multiple carriers, independent agents can shop around and find the best policies at the best prices to fit your needs. Another advantage of independent agencies is that they act as a one-stop-shop for all different kinds of insurance, which makes the process quicker and easier.
From buying policies to making a claim, your independent agent will be by your side supporting and helping you along the way. The personal touch that comes from an independent agency can not be beat.
“Direct Writer vs. Independent Agent for Home and Auto Insurance Policy – Borawski Insurance.” Borawski Insurance. N.p., 13 Jan. 2014. Web. 29 June 2015.