Why an independent agent?

Why an independent agent? When shopping for auto insurance or business insurance, most people are unaware that there are different kinds of agents they can work with.

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  • Your auto insurance coverage limit is the highest dollar amount we’ll pay if you make a claim on a covered loss (that’s insurance-speak for any losses that fall within the bounds of your policy).
  • The higher your coverage limit, the more we may pay, but the higher your premiums will be to obtain that coverage.
  • Lowering your coverage limit is a good way to bring your premiums down and save money now, even if you may need to pay more out-of-pocket later, after an accident. But keep in mind that each situation is unique. Be sure to consider your own needs before lowering your coverage.
  • Typically, higher deductibles mean lower premiums.



The higher you set your coverage limit, the more protection you may have in the event of a covered accident. Alternately, lowering your coverage limit can help you save some money on your premiums.



  • Your deductible is the amount of money you agree to pay out-of-pocket (on your own, without our help) when you make a claim covered by your policy.
  • This means, for example, that if your repairs cost $1,500 and you’ve set your deductible at $500, theoretically, you’ll pay the first $500, and we’ll pay the remaining $1,000 to get your car fixed and back on the road.



Setting a higher deductible amount can help keep your auto insurance premiums down. But a lower deductible (with higher premiums) means you’ll pay less out-of-pocket when you make a claim.

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