At Preferred Insurance Agency here in La Crosse, we often hear a version of this question: What exactly is an independent insurance agency, and how is it different from a captive one?
Let’s clear it up.
Captive Agencies: Tied to One Company
A captive insurance agency works for one insurance company. Think of brands like State Farm, Allstate, or American Family. Their agents sell only that company’s products. So if you walk into a captive agency, your options are limited to what that one company offers—whether or not it’s the best fit for your situation.
Captive agents know their company’s policies inside and out, but they’re also limited in what they can offer. If the prices go up or coverage doesn’t fit, you’re stuck unless you switch agents entirely.
Independent Agencies: You’ve Got Options
That’s where independent agencies like Preferred Insurance come in. We’re not tied to just one company—we work with several. That means we can shop around for you, comparing quotes and coverages from multiple insurers to find the best combination of price and protection.
It’s like having a personal insurance shopper who’s working for you, not the insurance company.
Why It Matters to You
When you work with an independent agency:
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You get more options in one place.
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We can adapt your coverage as your needs change.
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If your current insurer hikes rates, we can find alternatives without you needing to start from scratch.
Local, Personal, and On Your Side
At Preferred Insurance Agency in La Crosse, we combine the flexibility of being independent with the personal service you’d expect from a local business. We live here, we work here, and we’ve got your back when life throws the unexpected your way.
If you’re not sure whether your current policy still fits or you just want to compare, we’re here to help—no pressure, just options.
Want a quote or just a straight-up review of your current coverage? Give us a call or stop by. Let’s make sure your insurance is working as hard as you do.
Preferred Insurance Agency
401 King St.
La Crosse, WI 54601
Tagged With: #CaptiveCarriers, #IndependentInsurance, #savings, #shopinsurance, Independentagency