When it comes down to it, we all want the same thing when we need insurance:

• Precise coverage tailored to our needs
  
  
• The lowest rate possible

Accordingly, you will want to use an insurance agent that can locate the policy that gives you both.

You’ve heard that there essentially are two different types of agents out there. There’s the ‘Dependent Insurance’ agent as well as the ‘Independent Insurance’ agent.

The contrast can make all the difference in getting what you want in a policy.

A Dependent Insurance agent is employed by one insurance company. Because of that, he or she has one motive and that’s selling an insurance policy at the accompanying rate from the company he or she represents.

There’s more, though.

Because this type of agent works for one insurance company and can only offer you coverage and a quote from that company, there’s no incentive to determine if you need something other than what he or she is able to offer.  

What an Independent Insurance Agent Can Do for You

There’s no comparing insurance, prices or service that an independent agent can give you.

An Independent Insurance agent operates on his or her own, but uses the resources of the multiple insurance companies he is appointed to do business with.

This can benefit any Home, Auto or Business Insurance customer because of various factors.

An independent insurance is able to:

1. Focus on your true individual needs
   
   
2. Review your current coverage to see if you need more or less coverage
   
3. Sift through multiple policies from different insurance companies for the most suitable policy at the best rate
   
   
4. Offer money saving discounts as a result of an ongoing relationship with the insurance companies
   
   

These are the facts. As an insurance customer, which type of insurance agent makes more sense for you?

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: There are essentially two types of insurance agents that can sell you coverage. One type will be able to help you far more than the other.