The right insurance starts with the right agent

An independent agent can help you find everything you're looking for.

So what exactly is an Independent Insurance Agent?


Unlike captive agents, they work for you.

Since they aren't tied down to just one insurance carrier, independent insurance agents are free to explore more companies and coverages to help find the best cost for all the protection you, your family, or your business need. 

And when your goals change, they’ve got answers.

No matter if it’s your business or your boat, your insurance needs are sure to change over time. An independent agent is an expert who can help adjust coverages to fit your growing workforce, family, or whatever else you’re protecting.

Our agents know you because they are you.

Independent agents are as local as they get. They live just down the street, are an important part of your community, cheer for the same sports teams, and know local insurance needs best.

They'll handle the insurance, you just do you.

You’ve got enough on your plate. An independent agent will shop quotes and help walk you through all sorts of great options to find the perfect price and coverage—all at no extra cost to you.

The Trusted Choice® Pledge of Performance

Independent Agent 101
article image

Solo is never a good idea

Why an Independent Insurance Agent Is Better Than Self-Insuring

Self-insuring may sound tempting, but insurance agents are there for a reason. An independent agent will talk all the work off your shoulders and find the perfect blend of coverage and cost for the protection you need.

Lay it all out on the table

Top Five Questions to Ask an Independent Insurance Agent

If you're in the market for an independent insurance agent, then there are a few questions you're going to want to ask to help them find the right coverage that's specific to your needs, from protection to budget.

Small business with big dreams?

Why Small Business Owners Should Use Independent Insurance Agents

When it comes to running a small business, getting the right kind of help from the right kind of people can go a long way. An independent insurance agent is your right kind of people. Let's talk about why.

You need someone in your corner

Who Does Your Independent Insurance Agent Work For?

Busy? We get it.

How an Independent Insurance Agent Saves You Time

For better or worse?

Are Insurance Rates Affected by Using an Agent?

More FAQs about Independent Insurance Agents

You can buy insurance a few different ways whether it's from your neighborhood insurance guy or some online bot who claims to be the cheapest. However, only option can compare policies from multiple insurance carriers, walk you through it all and make sure you get the best price for your budget—yep, an independent insurance agent. An independent agent is a local business owner in your community that can sit with you, get to know your needs and make sure you have the perfect coverage to give you the right peace of mind.

Don't worry, you don't have to pay extra for their services, because an independent agent is paid primarily on commission. The carriers whose policies an agent sells handles this part. The more clients they serve, the more money they make. And as those clients renew each year, independent agents continue to make commissions of those policies.

Need is such a strong word. But an independent insurance agent is definitely a great idea. As you know, an independent agent can work with multiple carriers to find coverage for all types of needs. They'll shop around to find the perfect set of options from the coverage to cost and then walk you through all the ins and outs so that you understand your insurance as well as they do—something those dot coms could never do.

Trusted Choice is the nation's largest organization of independent insurance agents. As a part of such a large membership, agents have access to more resources and insurance shoppers get an organized collection of options to find what's best for them.

Not at all. Independent agent's are paid commission by the insurance carriers whose policies they sell. So when it comes to the cost of your coverage, you can expect to avoid any sort of extra fees on top of your premiums. 

It's simple. When you visit TrustedChoice.com, you'll answer a few simple questions about your insurance needs and location and our agent database will pair you up with the best options for your specific situation. Based on your expert matches, you can pick the agent that works best for you, contact them by phone or email and get the ball rolling. See, easy.

Absolutely. No 1-800 numbers. No call centers. Your independent agent probably even has the same area code as you. If you need to file a claim, give them a call, they'll walk through the situation with you and handle all the hard work. Because when you're facing an accident or disaster, the last thing you want to do is jump through hoops with an insurance adjuster. We know how your insurance works and will fight for you to get the help you need, right when you need it.

Now that's obviously something we can't guarantee. But we can promise to search coverage options from multiple carriers and bring you more options to the table. From there, we can find the right cost option for your budget WITHOUT sacrificing the coverage you need. If you ever have an unexpected disaster occur to your home, car, business, etc., having the right coverage in place will always save you money when you need it most.