There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:

  • Independent Insurance Agents and Brokers — represent many insurance companies and research these firms to find you the best combination of price, coverage, and service to meet your needs and expectations.
  • Captive Agents — sell the insurance for only one company.
  • Telephone Representatives — offer insurance for one company and only on the telephone.
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