Find an Insurance Agent
An insurance agent is a person who sells insurance products, such as life, health, car or home insurance, to meet the needs of his customers. There are two types of agents. A captive agent usually represents one insurance company only. An independent insurance agent represents multiple insurers and offers products from several insurance providers.
500+ agents in your area
500+ agents in your area
Why can’t I just buy cheap insurance online?
Most states impose minimum liability coverage amounts on homeowners and drivers across the country. Purchasing the minimum amount of insurance keeps you out of trouble with the police and your mortgage company, but it may not be enough to see you through a liability lawsuit if someone trips and falls when approaching your front door.
Liability lawsuit costs grow into the tens of thousands of dollars quickly. In some cases, the costs associated with hiring legal help are prohibitive, even if the court eventually rules in your favor.
If you have an insurance agent, they can help you understand how your insurance works to protect your financial stability. For example, your agent may understand that $100,000-worth of liability coverage isn’t enough to cover most slip-and-fall or trip-and-fall injuries in your area. They can talk with you about doubling your coverage while they compare rates to minimize the impact of adding coverage on your premium.
Find an insurance agent near you
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FAQs
Why do I need an insurance agent?
While you can buy some insurance products online using insurance comparison tools, insurance agents represent your interests. They work to find the right insurer with great rates for the insurance products that fit your coverage needs and will pay your claim when you need help. There are many other reasons why you need an insurance agent…
What are the different types of agents?
There’s more to choosing your insurance policy than making sure you have the right types and amounts of coverage. You have a few choices when it comes to picking an agent. From independent agents to captive agents, online agents or physical agencies, each type of insurance agents serves a specific purpose…
What is an insurance broker?
While both agents and brokers help you get the insurance coverage you need most, they have a few key differences. Insurance agents represent the insurance company and can give you quotes for various policies from the company or companies they represent. A broker represents the policy buyer (you) and can comparison shop on your behalf to find the best coverage for your needs. Learn more about what is an insurance broker…
Insurance Agent vs Insurance Broker
Both insurance agents and insurance brokers help you get the insurance coverage you need and act as intermediaries between you, the insurance buyer, and insurers. They both must have the appropriate licenses to sell the insurance products they are offering. Yet, there are many fundamental differences between insurance agents and brokers…
Do I need a health insurance agent?
If you are buying an Affordable Care Act (ACA or Obamacare) medical insurance on the marketplace, you may be wondering whom to turn to for advice: the complicated aspects of health insurance can make it difficult to understand what you may need and why. Licensed health insurance agents are here to help...
How to choose an insurance agent?
When you use an independent insurance agent, you can access someone who understands how your insurance policies work as part of your total financial picture. There are probably many agents in your community, and it can be tough to know who will best serve your needs. Read on to understand key criteria to choose the best insurance agent for your needs…