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You could miss out on significant coverages or discounts as a result. Captive agents typically receive resources, training and support from their parent company; independent agencies must rely on their interpretation of company materials in running their businesses - something which could compromise quality work. While some large insurance companies work with independent agents, others do not. Therefore, while an independent agent might provide more quotes and options than you realize, it could mean you miss out on better coverage options or rates from companies who do not work with independent agents. The Allen Thomas Group . If this is something that concerns you, there are other methods available to purchase insurance:

Brokerage companies may either be independent or captive. Independent brokerages do not work under contract from any insurance companies and can advise and sell clients any product that would best meet their needs. Captive brokerages are affiliated with certain insurance companies and have contracts with certain providers to sell only their products. An example of an independent agent would be an agent working with someone seeking life insurance policies. An agent could utilize multiple providers like Northwestern, Mass Mutual and Prudential in order to locate the optimal life insurance policy for their customer. Benefits of Working with an Independent Insurance Agent [Independent agents provide more options, because they contract with multiple insurers instead of just one]. More options mean more tailored policies to your needs at more reasonable premiums compared with dealing exclusively with captive agents (the opposite of independent insurance agents).

Home and business policies offer similar commission levels. Independent insurance agents often attempt to bundle both car and home policies under one insurance company to maximize savings for customers, giving everyone involved a win-win solution. Bundling policies is mutually beneficial - customers receive significant discounts while agents also benefit. Successful independent insurance agents can make a comfortable living while serving their communities. The Big "I" is a national trade insurance federation consisting of over 50 independent state associations as well as the national association.

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While marketing and sales are important, so is the agency's ability to provide service when their customers' requirements change or they have a claim. That's why providing customers a choice is important. One size doesn't fit all. Your independent agency will need to have a contract with each insurance company you represent. The contract describes the duties of each party.Many exclusive insurance agent companies also contract with independent agents. This was not always the case, but over time many exclusive companies have recognized the close relationship that independent insurance agents have with their clients.

As independent agents are not fully supported by an insurance provider, they often must create their own business. Independent agents must produce their own marketing material and manage operations independently, yet still benefit from advertising done by specific insurance companies; however, any benefits from an insurance company conducting an aggressive branding advertising campaign may be diminished if an independent agent doesn't sell policies sold by it. Working with independent agents offers many advantages, one being quick access to quotes from multiple insurance carriers. Independent agents offer the perfect start for anyone shopping for insurance as they can quickly compare multiple policies all at once and find you the best possible rate for yourself and your family. The more companies checked, the greater your chance is of locating what could be your ideal policy at an attractive rate. Time savings are immense when providing one-time information about yourself or potential policyholders. Independent agents and brokerage companies both take an approach of placing the customer first while offering multiple products from multiple insurers; however, insurance brokerage companies tend to be larger than independent agencies.

According to a study by J.D. Power, customers who are satisfied with their insurance providers are less likely to switch compared to those who aren't happy with their agents’ services; therefore, it’s essential to take customer service seriously. In conclusion, finding a reputable insurance agency involves evaluating their trustworthiness, the availability of policies, financial stability as well as their quality of customer service. Taking these factors into consideration should give you some peace of mind and make choosing your next insurer slightly easier. Choosing the right insurance agency can be a daunting task, but it is crucial in ensuring that you have proper coverage when you need it the most.

Choosing an insurance agency can be a daunting task, but it is crucial to ensure the safety of your financial future. Here are a few things that you should look for in a reputable insurance agency. 1. Trustworthiness: The first and foremost factor to consider while choosing an insurance agency is their trustworthiness. You must look for an agency with a good reputation and those that have been in business for a long time. This ensures that the insurance company has experience in dealing with clients' needs. 2. Availability of Policies: Look for an insurance agency that offers multiple policies like health, life, home, auto, etc., so that you can get all your needs addressed in one place rather than running around multiple agencies. 3. Financial Stability: Insurance companies are supposed to protect you from financial hazards, but what if they go into bankruptcy? Therefore, it's essential to research the financial stability of the potential insurers before purchasing any policies. One way to do this is by checking their ratings on websites like AM Best or Standard & Poor's. 4. Customer Service: An insurance agent may seem friendly during the sales process, but how they behave after you've become their customer matters more. Check online reviews or ask your friends and family about their experiences with the insurance providers that you're considering.

A good rule of thumb when selecting an insurance agency is researching potential agencies' reviews online before committing. Insurance agencies provide a variety of services related to insurance policies, and agents play a critical role in making these services available to clients. These services range from helping clients understand the types of coverage available and providing advice on selecting policies that meet their needs, to processing claims and handling policy renewals. Agents are highly trained professionals who have a deep understanding of the various types of insurance available, as well as how to match clients with the best possible coverage options based on their unique needs. For example, an auto insurance agent might assess a client's driving record and make recommendations for coverage that is designed to protect them in case of accidents or other unexpected events on the road. Anecdotal evidence can be helpful in illustrating how agents provide these types of services.

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    Successful independent insurance agencies strive for a balance of high retention and new sales. Independent insurance agents make an average of 10% to 12% in commission per insurance policy they sell. So, if an agent sells one car insurance policy with an annual premium of $1,000, they will receive $100 to $120 annually in commissions. Home and business insurance have similar commission levels. To receive policy discounts for the customer, many independent insurance agents try to “bundle" car and home insurance policies with the same insurance company. It's a win-win for the customer and the agent when policies can be bundled to the customer's advantage. In short, successful independent insurance agents can make a comfortable living while serving their communities.

    The Allen Thomas Group's car insurance solutions are tailored to your unique driving habits and needs. Here's what sets our car insurance apart: 1. Coverage That Adapts to You Whether you're a daily commuter, a weekend road-tripper, or a parent chauffeuring kids to school, our car insurance coverage can be tailored to suit your lifestyle. We understand that each driver is different, and we take pride in creating policies that reflect that diversity. 2. Protection Against the Unexpected Accidents happen, and when they do, you want to be prepared. Our car insurance covers you in case of collisions, theft, vandalism, and more. You can drive with confidence knowing you have a safety net in place. 3. Affordable Premiums We believe that quality car insurance should be accessible to all. Our agents work diligently to find you the best rates without compromising on coverage. You can trust us to provide you with a policy that fits your budget. 4. Additional Benefits Beyond the basics, our car insurance policies may include additional perks like roadside assistance, rental car coverage, and more. We go the extra mile to ensure you're protected in every scenario.

    They are also able to offer similar insurance products across a broad range of companies. Captive agents work with just one insurance company, offering only the products offered by that specific company. There are several potential advantages to working with independent insurance agents vs. captive agents. Working with an independent agent usually does not cost anything and can save the customer time by allowing the agency to shop for quotes from multiple insurance companies. An independent agent may be able to find a better deal for your insurance needs than you can. Ultimately, you will need to decide if these and other possible advantages are beneficial to you.

    Their focus lies on what consumers care most about - price, customer service, policy features and savings opportunities - so you can feel confident choosing which provider best meets your needs. ATG has answers. Over two decades, our experts have been helping consumers successfully manage risk. We strive to equip consumers with expert advice and tools needed to navigate life's financial journey successfully. We strive to be open about how we're able to provide high-quality content, competitive rates and useful tools at reasonable costs by outlining how we make money. Finding car insurance may seem complicated; one way people can simplify this process is through speaking with an independent insurance agent. Independent agents are licensed to sell insurance from multiple companies rather than being direct employees of only one.

    At The Allen Thomas Group, we are committed to offering you multiple insurance solutions that meet the most cost-effective requirements and standards suited for you. As an independent agency, we provide a full array of products including automobile insurance, homeowners' and business policies as well as life and health plans from multiple carriers that best meet each client's individual requirements. Give us a call or use the quote form button above to discover more of our insurance solutions. We look forward to speaking with you! If you are shopping around for new coverage but unsure where to begin, start with us and you won't look further!

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    Why should I choose an independent insurance agency over a direct insurer? Independent insurance agencies like The Allen Thomas Group offer a distinct advantage. We have access to a wide range of insurance providers, allowing us to compare policies and find the best fit for your needs. Our personalized service and ability to tailor policies make us an ideal choice for those seeking comprehensive coverage.

    Prices vary based on how you buy. Prices for policies sold through agents and brokers are available from them. Because we’re an independent insurance agent, we can select the best insurance coverage for you from the insurance companies that we represent. At The Allen Thomas Group, we pride ourselves on providing numerous insurance options to find the best coverage and service — and the most competitive rates — to fit your individual needs. We offer a full line of products including automobile insurance, homeowners insurance, business insurance and life & health insurance.

    Here's why you should make us your first choice: 1. Tailored Solutions for Your Peace of Mind We are not just another insurance agency; we are your partners in securing your future. Our dedicated insurance agents take the time to understand your specific needs and financial goals. We then craft customized insurance packages that provide the coverage you require without unnecessary expenses. 2. Expertise You Can Rely On Our team of experienced insurance agents possesses in-depth knowledge of the insurance landscape. We stay updated on the latest industry trends and regulations to provide you with the most relevant advice and coverage options. With The Allen Thomas Group, you have the assurance of working with seasoned professionals who have your best interests at heart. 3. Independent Agency Advantage Being an independent insurance agency sets us apart. We are not bound to any single insurance provider, which means we can shop the market to find you the best rates and coverage options available. This independence allows us to act solely in your best interest, not the interests of a particular insurance company. 4. A Wide Range of Insurance Services Whether you are seeking car insurance to protect your vehicle, home insurance to safeguard your property, or comprehensive business insurance to secure your livelihood, The Allen Thomas Group has you covered. Our extensive range of insurance services ensures that you get all the coverage you need under one roof. 5. Local Roots, National Reach While we call Akron, Ohio, home, our services extend far beyond state lines. No matter where you are in the United States, The Allen Thomas Group can cater to your insurance needs. We are your local insurance agency with a national presence. 6. Personalized Service Our commitment to you goes beyond policies and paperwork.

    Why Choose The Allen Thomas Group Independent Insurance Agency? At The Allen Thomas Group, we understand that insurance is not a one-size-fits-all solution. Our seasoned insurance agents are committed to finding the perfect fit for your needs, be it car insurance, home insurance, or comprehensive business insurance.

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    This can allow you to build a relationship with your independent insurance agent no matter what company you choose for your insurance policies. While captive agents can also provide personalized customer service, independent insurance agents may be more motivated to work hard to keep your business so you do not go to another agency. This means answering questions about rates, coverages and claims or filing claims on your behalf. If there is an issue with your coverage, you can call on your independent insurance agent to help resolve your problem.

    When comparing costs between various providers, be sure to check for bundled policy discounts. Lastly, it’s crucial to research the reputation and financial health of the insurer before committing to any policies. This ensures that your policy is sound and valid when you actually need it in the future. Let's consider another example: You've selected an agency and a policy but are concerned about high premiums. After researching this further, you learn that certain safety features like airbags or a rearview camera can significantly reduce your annual premium since these make your car safer and less susceptible to accidents.

    For individual life and disability insurance, insurance companies typically pay a larger commission in the first year. Smaller commissions follow in later years. It's important to maintain an ongoing customer relationship for additional sales, referrals from your customers' friends and relatives, and the opportunity to sell additional policies like home and car insurance to your life and health insurance customers. For a startup insurance agency, being licensed to offer life insurance along with property/casualty insurance can help provide more up-front commission revenue. Even if you want to focus on property/casualty insurance, getting licensed for life/health insurance means you can share commissions if you refer business to a life/health insurance agent. What about the cost for the required courses to study for your licenses? They're not expensive.

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    Insurance Agency serving Akron
    Insurance Agency serving Akron

    We believe in building lasting relationships with our clients. When you choose The Allen Thomas Group, you become part of our extended family. Our agents are always just a call away to address your concerns and provide support when you need it most. Car Insurance: Protecting Your On-Road Adventures When you hit the road, you need more than just a vehicle; you need the peace of mind that comes with comprehensive car insurance.

    A small insurance agency may have better customer service scores, better policies, and more competitive pricing than a large conglomerate. On the other hand, a large corporation may have more resources available for research and development or have better access to cutting-edge technology. Think of evaluating an insurance agency like hiring an employee for your business—their reputation, experience, and background matter just as much as what they are offering you in return for your investment. Service is another essential factor that can determine an agency's reputation and stability.

    Mission of NAACB: to offer support for independent agents and brokers by offering membership benefits such as educational tools, informative publications, networking events and networking resources. These associations also act as advocates for independent insurance agents by working closely with insurers, state insurance departments, the federal government and other stakeholders to maintain a stable and profitable marketplace. Independent agencies benefit greatly from the combined efforts of the Big "I". When starting up an independent agency, membership of the Big "I" can offer many advantages; here are just a few benefits for startup independent agencies. Independent agents are essential partners in finding quality and affordable coverage; similarly, independent agencies have in The Big "I" as an ally when it comes to running an efficient operation. Signing up in your state is simple! Simply complete the online form to begin, with pricing varying by state, agency size, and revenue. Should any issues arise or if any questions arise, The Big "I" will always be there to assist.

    These websites can give you insights into what current customers think about a particular insurance agency. This information can help you determine if the agency is reliable, trustworthy, and has a good reputation. Another way to evaluate an insurance agency's stability is by looking into their financial strength rating. An insurance agency's financial strength rating indicates its ability to pay claims. Insurance agencies are rated by independent rating agencies such as A.M. Best or Standard & Poor's. These rating agencies assess the company's financial health by analyzing several factors such as liquidity, profitability, and capitalization. It is essential to choose an agency with a high financial strength rating to ensure they can fulfill their obligations when you need them. Some people may argue that the size of an insurance agency dictates its stability and reputation; this is not always the case.

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    At The Allen Thomas Group, we believe in creating strong, long-lasting relationships with independent agents. Once appointed with The Allen Thomas Group, we’ll deliver what you need when you need it — because your agency is unique to us. The Allen Thomas Group's innovative telematics programs are easily adaptable to meet the needs of your customers and save them money. We have streamlined our process to get you an appointment decision as quickly as possible (you will hear back from us within 5 business days on next steps). The Allen Thomas Group the ability to quote, bind and issue at point of sale and an automated referral to an underwriter when needed. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support–and we’re the only no-fee program of our kind! Home equity is the portion of your home you’ve paid off. You can use it to borrow for other financial goals. Life insurance doesn’t have to be complicated. Find peace of mind and choose the right policy for you. Boost your business with rewards, perks and more.

    Captive insurance agents work for one insurance provider and are accountable for selling its products. Independent agents assist people in finding insurance policies, and as they don't work exclusively for one insurer but instead shop around among various carriers for policies to find customers the best value possible. As opposed to brokers of specific insurance companies who must sell policies offered by those same insurers that might not fit exactly what a customer needs, the best insurance agents understand both worlds. We work with more than 40,000 independent insurance agents and brokers at thousands of insurance agencies nationwide, so you're guaranteed to find one who understands your needs and can get you the best policy and price possible. Find an insurance agent nearby and introduce yourself.

    The parent company will usually provide resources, training and support to captive agents, whereas independent agencies will have to use their own interpretation of companies’ materials to run their business, which could affect the quality of their work. While some large insurance companies will work with independent agents, some do not. So, while you will likely see a greater breadth of quotes from an independent agent, it’s possible that you might miss out on better coverage options or rates from a company that does not work with independent agents. If you don’t want to work with an independent agent or agency, there are other ways to purchase insurance:

    They'll take it from there! Your experience begins with a simple conversation as your independent insurance agent learns more about you before suggesting suitable policies to fit your individual needs. Should an accident happen, The Allen Thomas Group offers comfort in the form of guaranteed repairs, accident forgiveness and an streamlined repair process. As your life changes, from moving into a new apartment, house, having more children or purchasing an RV, boat or motorcycle - your independent insurance agent is always there for you. Independent insurance agents provide more than auto and home policies; they also offer coverage options to cover motorcycles, RVs, boats, etc. No matter your needs or lifestyle stage, independent insurance agents offer expert guidance, tailored policies, and personalized service - discover more of their advantages here.

    In conclusion, choosing the right insurance agency requires careful consideration of many factors. By doing your research and taking the time to evaluate different options, you can find an agency that meets your individual needs and provides peace of mind when it comes to protecting what matters most in life. Insurance agencies offer a wide range of services that cater to the different needs and preferences of their clients. These services include consultation, risk assessment, policy selection, claims processing, and customer support.

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    A good driving record is one of the best ways you can keep your auto insurance rates down. Compare prices. Compare insurance rates before you purchase a vehicle. ... Ask for higher deductibles. Reduce the coverage for older vehicles. Purchase both your auto and homeowners coverage with the same insurance company. ... Keep a high credit score.

    The majority of insurance agents are paid by commissions. The amount of the commission depends on several factors, such as: What type of agent they're. The type of insurance policy. The number of policies sold.

    Amount you pay before your health insurance plan begins to pay. You pay for the first $1500 in covered services, if you have a $1500 deductible. You usually only pay a copayment after you have paid your deductible.

     

    Your auto insurance rates are influenced by both factors that you can influence, like where you live, what type of vehicle you drive, and how much you purchase, and those that you cannot, like inflation or your age. In many states, accidents and DUI convictions can raise your rate significantly.

    Both insurance agents and brokers can help you purchase an insurance policy. Insurance agents, however, represent the insurer that employs them. They help to sell policies from this single provider. Insurance brokers can assist consumers in shopping for multiple insurance providers.

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