Insurance 101: 7 Reasons to Use an Independent Insurance Agent
Have you ever felt like shopping for insurance is like navigating a maze with no map?
It’s frustrating, right?
The truth is, insurance doesn’t prevent disasters, but it sure does make life easier when they happen. The problem? Finding the right policy at the best price can feel like an impossible task—unless you have the right guide.
That’s where independent insurance agents come in. Unlike captive agents who work for just one company, independent agents shop multiple carriers to find the best coverage at the lowest price.
Here are seven reasons why working with an independent insurance agent—like Trailstone Insurance Group—makes your life so much easier.
What Is an Independent Insurance Agent?
Think of an independent insurance agent as your personal insurance shopper.
🔹 Instead of being tied to a single insurance company, they work with multiple carriers to find the best fit for your needs.
🔹 At Trailstone Insurance Group, we work with over 40 A-rated insurance companies, giving you access to the best policies without the hassle of shopping around yourself.
Why Does This Matter?
Unlike captive agents who can only sell policies from their employer (like State Farm or GEICO), independent agents are free to compare multiple options to get you the best price and coverage.
And that’s just the beginning. Let’s break down the seven biggest benefits of using an independent insurance agent.
1. More Options, Less Hassle
Instead of filling out your details on 10 different websites, you provide your information once, and your independent agent does the work for you.
✔ We compare policies from multiple insurers
✔ You get the best options without the frustration
✔ No more spending hours hunting for the right deal
With an independent agent, you save time, avoid stress, and get the best coverage with zero effort.
2. Lower Premiums
Here’s a little secret: The more options you have, the better chance you have of finding the best deal.
At Trailstone, we work with over 40 insurance carriers, which means we can:
✔ Compare multiple quotes to find you the lowest price
✔ Take advantage of exclusive discounts
✔ Customize coverage to fit your budget and needs
Think of it like having a permanent coupon code for your insurance—but without any of the hassle.
3. Unbiased, Honest Advice
Captive agents at big-box insurers like State Farm, GEICO, and USAA have sales quotas and company products to push.
✔ They work for the insurance company—not for you.
✔ We work for YOU.
As independent agents, we provide:
✔ Honest recommendations based on what’s best for your unique situation
✔ No pressure to buy policies you don’t need
✔ Guidance to make sure you’re truly protected
If we don’t think a policy is right for you, we’ll tell you—because we answer to our clients, not an insurance company.
4. Switch Providers Without Losing Your Agent
What happens if your insurance company raises rates?
With a captive agent, you’re stuck—or you have to start over with a new agent.
With an independent agent, you don’t have to worry.
✔ If your rates increase, we’ll shop around and switch you to a better provider.
✔ You keep working with the same agent—no starting over.
✔ We handle the paperwork for a seamless transition.
This means no stress, no re-explaining your needs, and no headaches.
5. Tailor-Made Solutions for Unique Situations
Not everyone has a cookie-cutter insurance need.
✔ Got speeding tickets on your record?
✔ Need coverage for a vacation home or classic car?
✔ Own a small business with unique coverage needs?
We specialize in finding creative solutions for tricky situations—ensuring that you’re fully covered, no matter your circumstances.
6. Personalized Customer Service
Ever spent hours on hold with a 1-800 number, only to be transferred to someone who barely understands your policy?
With an independent agent, you get:
✔ A real person who knows you and your needs
✔ Quick answers to your questions—no endless phone trees
✔ Support when you need it most, especially during claims
When disaster strikes, you don’t want to deal with a call center—you want a trusted expert who’s got your back.
7. Your Best Interests Always Come First
At Trailstone, we believe insurance isn’t about selling the most expensive policy—it’s about:
✔ Protecting your home, your family, and your assets
✔ Finding the best coverage without breaking your budget
✔ Building long-term relationships based on trust
Our goal? To treat you the way we’d want to be treated.
Ready to Make Insurance Shopping Easy?
Finding the right insurance doesn’t have to be stressful. With an independent agent, you get:
✔ More options
✔ Lower premiums
✔ Personalized service
Let us take the hassle out of insurance shopping.
Here’s what to do next:
✔ Click the link below to schedule a free consultation
✔ Give us a call or send us an email—no strings, just solutions
✔ Let’s find you the best coverage at the best price
Insurance should work for YOU—not the other way around. Let’s get started today.