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Independent Insurance Agents

The Benefits Of Working With An Independent Insurance Agent

Working with a WRI independent agent can help you find the best combination of price, coverage, and service.

Captive Agents vs. Independent Insurance Agents
There are two primary types of insurance agents. Captive agents are employees of one insurance company and can only write policies for that company. This means they are limited to their company’s coverage plans.

Independent Insurance Agents, however, are able to source from a variety of reputable national and local providers. Independent agents have access to many different insurance carriers and research these firms to find you the best combination of price, coverage, and service. They have the flexibility to offer a broader range of options at highly competitive prices, so you get a personally tailored plan to suit your needs and budget. Plus, as your needs and your life changes, you can switch coverage, and companies if necessary, without finding a new agent.

Best of all, they are able to offer unparalleled and unbiased advocacy to their customers, from quotes to claims. Overall, customer satisfaction is the key to an independent agent's livelihood. Serving you is your independent agent's most important job!

An independent agent is a licensed professional with strong customer and community ties who:: 

  1. Gives you excellent service and competitive prices, because agents can access coverage from multiple companies.  

  2. Assists you when you have a claim.

  3. Is your consultant, working with you to help explain the different types of insurance and determining your unique needs. 

  4. Offers you a choice of insurance plans and programs. 

  5. Is a "value hunter," who looks after your pocketbook in finding the best combination of price, coverage and service. 

  6. Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance. 

  7. Can periodically review your coverage to keep it current.

Wood River Insurance has 10 independent insurance agents, ready to help you with all of your insurance needs!