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The Ultimate Guide: captive vs independent insurance agents uncovered

Let’s talk about a hot topic that’s been buzzing around lately: captive versus independent insurance agents. If you’re unsure which route to take for your insurance needs, keep reading because we’re diving deep into the differences and why Trailstone Insurance Group might just be your best bet.

So, what exactly is a captive insurance agent? Well, they’re essentially exclusive representatives of a single insurance company, like the big names you’ve heard of – State Farm, Farmers, Allstate, and GEICO. On the flip side, independent agents, like us at Trailstone Insurance Group, have the freedom to shop around and work with multiple insurance carriers. Captives are like being tied to one ship versus sailing the open seas with Trailstone.

Why does this matter, you ask? For starters, captive agents are bound to sell you only one brand of insurance, hence the term “captive.” Sure, they might offer stability and support from their parent company, but are you really getting the best deal when you’re limited to just one option? That’s where independent agents shine. We’ve got access to an assortment of insurance products from over 40 top-tier companies. Your needs, your choice – it’s as simple as that.

Here is something to think about, captive agents might flaunt their brand recognition and marketing prowess, but have you ever stopped to think about who’s paying the bill for those flashy commercials? Spoiler alert: it’s you, the customer, through higher premiums. Meanwhile, independent agencies like Trailstone save on advertising costs and pass those savings along to you. Plus, with so many options at our fingertips, insurance carriers know they have to compete for your business, resulting in better rates for you.

But don’t just take our word for it. Take Michaela Duke, for example, who saved a $1,500 a year by switching to Trailstone. And get this, Tiffany, the Trailstone agent who helped her out, used to work at a State Farm agency. Talk about insider knowledge!

At Trailstone, we pride ourselves on offering personalized coverage tailored to your unique needs. No one-size-fits-all solutions here. Our agents have the heart of teachers, guiding you through the maze of insurance jargon to find what’s best for you. Dave Ramsey would be proud.

Expertise? Yup. Trailstone agents are seasoned advisors who understand the ins and outs of insurance. We’ll provide advice on risks and regulations, so you can make informed decisions with confidence.

And when it comes to claims, we’ve got your back. Unlike some captive agents who might jump the gun by opening a claim when you call for advice, we’ll provide honest advice and support you every step of the way. Need a second opinion? Even if you’re not our client, give us a call. We’re here to help.

But our support doesn’t end once you sign on the dotted line. We’ll review your coverage each year with you to ensure it evolves with your changing needs. No call centers here, just real people dedicated to your peace of mind.

And let’s not forget about the bottom line. We’ll shop around to find you the most competitive rates and discounts, not just in year one, but every renewal thereafter. Sure, a captive might swoop in with a good deal once in a blue moon, but why leave it to chance when you can count on us year after year?

So, there you have it – the benefits of partnering with Trailstone Insurance Group are clear. From tailored coverage to top-notch service and the freedom to choose, we’ve got your back every step of the way. Give us a call today and let’s navigate the world of insurance together.

Until next time, here’s to love, laughter, and countless blessings.