Group of smiling independent insurance agents

Benefits of Working with Independent Insurance Agents

By the Mercury Team

The internet has made life easier in many ways. Type a question into your browser, and you can find the answer to just about anything. It’s also a great starting point when buying a home or new car.

While searching for a larger home with four bedrooms or an SUV with extra storage is simple enough, determining the type of home insurance or auto insurance coverage you need is a little more complex. That’s where independent insurance agents can help. These experts can match you with the right level of insurance coverage needed for any situation, all while saving you money.

What is an independent insurance agent?

What does an independent insurance agent do? Unlike agents tied to a single insurance company, independent agents work for you, not the insurance firms. They have the freedom to compare policies from many companies to find the best fit for your unique needs, whether for auto, home, or a combination of policies. This flexibility ensures that you’re not limited to the offerings of a single insurer and can often lead to more personalized coverage and competitive home and auto insurance quotes.

What are the advantages of independent insurance agents?

When you work with an independent insurance company, you get personalized service from an agent who looks at multiple carriers to determine the best coverage and reasonable rates for your car, home, and business. The benefits of independent insurance agents include:

Unbiased Expertise

Captive insurance agents work for one insurance company and can only sell that company’s policies. For this reason, these agents can give you biased advice that may not be in your best interest. Independent insurance agents represent several insurance companies, giving you more options and flexibility in terms of coverage. This freedom allows your agent to focus on the policy that’s best for you while also considering other important factors, such as an insurer’s financial stability. Plus, more options mean more chances to save money on your home or car insurance policy.

Local Service

While independent insurance agents provide a personalized approach, it’s also nice to have someone in the neighborhood you can call with questions or concerns. For instance, your independent auto insurance agent is much more familiar with your area’s insurance adjusters, repair shops, and traffic patterns, giving them a unique perspective you won’t get from the internet. Drop by to meet your local independent agent, and get answers to all your insurance questions.

Personal Advisor

Independent insurance agencies work hard to earn your business through their personalized approach. In a flood aftermath, it’s much easier to pick up the phone and call a trusted adviser than deal with a call-center customer service representative. Your independent insurance agent is your advocate, guiding you through your policy coverage and assisting you in the home insurance claims process .

As your needs change over time, an independent insurance agent will also be there. Maybe you plan to buy a new car, add to your home, or sell your business soon. As a one-stop shop, your independent insurance agent can help you switch between insurance companies and policies to accommodate your current situation.


Great independent insurance agents will craft an auto or home insurance plan that meets your needs at the best available price. They also provide a local, personalized approach, allowing you to visit their office for any questions or concerns. They are also vested in helping you understand how to protect your family, pets, and property in the face of a natural disaster.

When it comes to knowing how to choose an insurance agent, look no further than Mercury. We offer affordable auto insurance, homeowners insurance, and business insurance via a network of independent agents and brokers. We provide first-rate coverage at a competitive rate, a 24/7 claims hotline, a dedicated local agent, and hassle-free repair service. No matter what type of coverage you have, you can rest easy knowing that Mercury Insurance has your back when the unexpected happens.

Contact a Mercury insurance agent and get a fast, free quote today.

Mercury Team

The Mercury Marketing Team is made up of professionals in the fields of Content Creation, Public Relations and Social Media. The team works together to deliver professionally written and researched content to provide information for consumers.

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