Why an Independent Agency

In the past, the direct writer had an advantage in personal insurance due to the marketing and branding of the big direct writers, State Farm, Allstate, Farmers, Nationwide, etc. Currently, the personal insurance advantage is with the well represented independent agent. The primary reasons are: Renewals: Currently, there is a trend that is growing in popularity with insurance companies. The companies’ new client rate will be very competitive. That is the good news. The problem occurs on the policy renewal. The renewal rate increases at a high percentage rate. After a few renewals, even the clients without any claims...

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