ARIZONA INSURANCE BROKER

When shopping for a better insurance rate, keep in mind two words - "Captive" and "Independent".

The word CAPTIVE most often refers to an agent who represents only one carrier. A captive agent is contractually obligated to sell insurance for that one company. When you call a captive agent for a quote, they can only quote their one carrier.

The second type of Insurance agent is called "INDEPENDENT".

Independent Insurance Agents and Insurance Brokers act more or less as free agents - they shop around on the consumers behalf for the best rate they can find with the carriers they represent.

Some independent insurance brokers may represent up to 12 or 15 different carriers, giving them a sizeable advantange when it comes to finding you a better rate.

Some examples of top-ranked insurance companies who sell Auto & Home Insurance through Independent Insurance brokers - Progressive, GMAC, Safeco, AAA, MetLife, Travelers, Hartford, Foremost, Kemper, and many, many more.

Since Independent Insurance Brokers are usually smaller agencies, you likely will not see them advertising on television. That is where the large captive carriers have the advantage - using national advertising, and more exposure.

However, the next time you are shopping for a better rate on your Auto or Home Owner Insurance, consider using an Independent Insurance Broker. The odds of finding a better rate is often much better.

The second reason for using an Independent Insurance Broker? If your insurance rate goes up and you are faced with changing carriers, you do not necessarily have to change agents.

If your insurance rate with your captive carrier goes up, you are faced with finding not only a new carrier to insure your home and cars through but a new agent too. You may end up finding more long term stablity with your insurance broker as a result.

In Arizona, for low cost affordable Arizona Auto Insurance or Arizona Homeowner Insurance contact Choice Insurance of Arizona at (480) 659-0229.

http://www.choicearizona.com/arizona_auto_insurance.php
http://www.choicearizona.com/arizona_homeowner_insurance.php
http://www.phoenix-life-insurance.com

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