Know What Insurance
Agents Can Do for You


Do You Really Know Your Insurance Agent?

Buying insurance can be overwhelming and confusing. There are so many options to consider: different coverage types, a wide variety of policy levels and limits, dozens of providers to choose from — and that’s just a start. Think of the complex web of insurance regulations and requirements, and the serious consequences of not being adequately covered. All of this is enough to make your head spin. 

Luckily, there’s one decision you can make at the very beginning of your insurance-purchase process that will make the experience significantly simpler and ensure you end up with the correct coverage: choosing to work with an insurance agent. 

Instead of going at it on your own using online quotes, which aren’t always what they seem to be, trusting an agent to handle your insurance needs is a smart move. You only want to make sure that you are working with the best insurance agent for you. 

Why Work With an Agent?

The biggest advantage of working with an agent can be summed up in one word: knowledge. The state requires insurance agents to go through a rigorous licensing process and continue to educate themselves throughout their careers, including ethics classes. This knowledge enables an agent to provide you with the proper level of coverage at the best value. 

If disaster strikes and you ever need to file a claim, it’s comforting to have an experienced agent there to guide you through the process. And, because you’re starting a relationship with an agent who will get to know you, when your life changes this agent will be able to adjust your coverage so you’re always well protected. 

Choose Your Agent Type

When you shop for insurance, you may run into questions about the different types of agents and providers. The distinction between all these is fairly simple. 

There are two different kinds of insurance agents: captive and independent. Captive agents work for a single insurance provider, and can only sell insurance offered by their employer. On the other hand, an independent agent works for an insurance agency, and is able to sell insurance offered by a variety of providers. Both types of agents are paid the same way, via commissions on the policies they provide to their customers. Captive agents are certainly worth considering, but it is noteworthy that an independent agent’s wider selection of options may allow them to craft a policy that fits you better and offers more value. 

–Written by Matt Forrest

AAA Washington Insurance agents are here to help. Whether you’re ready to buy, need an insurance review or simply have questions, we’re your one-stop shop. Call (877) 222-4678 for a free, no-obligation consultation.


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