The Benefits of an Independant Insurance Agent


Did You Know?

Unlike captive agents, independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Keep reading to learn more.

Are All Insurance Agents The Same?

(NAPS)—To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered?

The difference lies in whether you have a Captive Agent/Broker or an Independant Agent/Broker.

Captive agents and brokers.
Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company’s insurance products. They may also be required to sell other products from that company, such as annuities and investment plans.

Independent agents and brokers.
Independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan.

If you’re ready to contact an independent agent to talk about saving money on car insurance, here are a few things to consider:

Has your life situation changed recently?
Many factors determine auto insurance rates, not just vehicle year, make, model, body type and engine size. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your car insurance.

Is your car getting older?
You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, an independent agent or broker can advise you on what level of cover-age makes the most sense. Raising your deductible could save you money each year, too.

Do you have another type of vehicle that also needs coverage?
If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to an independent agent or broker about it.

Would you like a plan custom tailored to your needs?
Another plus to working with an independent agent or broker is their ability to offer guidance for all your insurance needs—auto, home, life, business and more. They can customize a package of policies just for you.

Would you like to know more?

If you would like more information about Bob Johnson Insurance, please click here and use our contact form. We would be happy to answer any questions that you might have about our agency, insurance, or options available to you.

If you would like an insurance quote, please fill out the form below.

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What information can we provide for you?

Automobile Insurance
(Up to 15% off if you have home insurance with the same company)
Property Insurance (Home, Tenant)
(Up to 10% off if you have auto insurance with the same company)
Life Insurance
(5, 10, 15, 20, 30 year level term, annual renewable term, mortgage term, universal life, and whole life)
  Business Insurance
(Property, liability, workers comp., group life, health or retirement plans)
Major Medical Health Insurance   IRA
Mobile Home Insurance   Annuities
Flood Insurance   401k/Retirement Plans
Boat Insurance   Savings for College
Motorcycle/Mopeds/Trail Bikes   $1,000,000 Umbrella Policies
Recreational Vehicles   Disability Income Insurance
Insurance for Classic Car   Notary Bonds
Medicare Supplement Insurance   Nursing Home Insurance

Comments / Questions / Requests

BJI is licensed only in the States of Tennessee and Kentucky, so we will only respond to requests for TN or KY insurance.  If you are outside the state of Tennessee or Kentucky, please use our Links Page to find a representative within your state.