Whenever Aaron and I discuss exactly what our agency does with consumers who aren’t familiar with the pros of using an independent agent/broker for their insurance needs, the statement we often hear is: I should have been using a broker all along. We agree! We truly believe that the relationship and cost savings you will enjoy when using a brokerage such as ours are invaluable- and our customers do too!
So, what exactly is an independent agent? An independent insurance agent is one that is not bound by a relationship to just one insurance carrier. Therefore, the relationship you will enjoy with an independent agent is very different than the one you might experience with a “captive agent” who represents only one insurance company. A captive agent is bound by the rates and underwriting rules of that one company which means they may not be able to offer the best coverage for your unique needs- or the best price.
As independent agents, our number one relationship is with YOU– our customer. We work for you, not for an insurance company, and we always have your best interest in mind. This means that we will compare rates with MANY different highly-rated insurance carriers to find out which one will best meet your needs and budget. We can provide you several quotes in the time it would take you to obtain one quote with a captive agent.
At Kerth Insurance & Associates, one of the biggest value-adds that we offer our clients is the promise to shop for a new policy each year if your rates increase. By placing your business with our agency, you can be confident that you are always receiving the best rate we have to offer, year after year. We work to have a relationship with customers in our community that will last for many years to come.
We would love the opportunity to look at your current insurance policies, do some shopping and see if we can meet your needs at a lower cost. Please reach out to us if we can answer any questions for you!
Brittney Kerth, MBA
Kerth Insurance & Associates