Why independent
The difference between an independent and a captive agent
Most agents you see around town sell for a single company. An independent agent represents several, which changes who the agent is working for.
| Independent agent (Rossi Insurance Group) | Captive agent | |
|---|---|---|
| Insurance companies offered | Several (Foremost, GEICO, Progressive and more) | One |
| Shops your renewal if your rate jumps | Yes, across every carrier he represents | Only within the same company |
| Who the agent works for | You, the client | The insurance company |
| Help with claims | Luis helps you file and follows up | Varies |
| All lines in one place | Auto, home, life and business | Limited to that company's products |
| Service in Spanish | Yes | Varies |
You are not locked in
Life changes and so do rates. If a carrier is no longer the best fit, Luis can move your coverage to another company and keep serving you himself.
Coverage matched to you
Some carriers are strong on new drivers, others on older homes or small businesses. Comparing several lets Luis match each policy to the company that does it best.
No extra cost
Carriers pay agent commissions out of the premium, so working with an independent agent costs you nothing extra.
See what Luis can find for you.