To us, the primary reason to utilize an independent agent is to be able to discuss claims, without placing a claim. In many circumstances IF you don't have a dedicated independent insurance agent, they can give you advice with out legally having to place a claim. Like most direct insurance company relationships (notice when you call these companies), you are normally talking with a different person, each time you call. When you have a dedicated independent insurance agent on your side, you don't have these limitations. Always remember that the reason you buy an insurance policy is because you may have to place a claim. Because of this fact, you may want to buy from an independent insurance agent.
