Here at Paradiso Insurance, we are proud to say that we educate our customers in order to to help them stay prepared, reduce their number of claims, and get the most suitable policy at the best rate.  Today, we’d like to talk with you about the difference between captive and independent insurance agents. A captive agent is bound to one insurance provider, but an independent agent can connect you to many providers at once. But, what does this mean to you as a customer?

captive independent1Captive insurance agents are typically only able to sell you insurance from one insurance company. Suppose you buy your car insurance at Geico, through a captive insurance agent. If you wanted to shop through your captive Geico agent to look for a better price for your policy, the options that they have are very limited. In order to get you a lower price on your policy, they would literally have to lower your coverage, leaving you exposed to more risk. They don’t sit down with you face-to-face, and more often than not, they don’t take the time to educate you about what they’re selling.

Here’s the captive independent2difference: when you shop through an independent agent, we can connect you to many insurance providers at once. We can get you the coverage that you need to stay protected, and still shop for a better price for you by looking through numerous insurance providers. We take the time to sit down with you,one-on-one , to educate you on the policies that we offer. It really is a no-brainer; when it comes to buying insurance, shop local and independent, and you’ll get the coverage you need at an affordable price!