Peoples Insurance is a Multi-Line Independent Insurance Company that can write almost any type of risk. Unlike Captive Agents who work for just one company and TRY to look out for their clients, WE WORK FOR OUR CLIENTS, not any one company! We are relentless in our efforts to provide you with only the coverage’s needed to protect you and your assets, at the very best price offered in the marketplace. We write for all of the best known Carriers who have only the highest ratings from Standard and Poors and AM Best and while providing the best products and pricing available, we are an industry leader in Customer Service. WE ARE THE BEST OF BOTH WORLDS.
What is an Independent Insurance Agent?
Here’s a situation that best explains what we do:
You currently have your Auto or Home Insurance with a “Captive Carrier”, (you know, one of the four guys that you always see on television). They send you your renewal notice letting you know that because of an unexpected increase in claims, they’ve been forced to increase your rates by 29% for the next policy period. Your first instinct after talking with your agent and realizing he can’t do anything for you is to “start shopping around for better rates”. Great idea but there are a couple of things you’ll have to embrace in that process: First, you’ll have to make several phone calls to many companies requesting quotes and then wait for them to respond back to you with their rates; Second, once you’ve decided on a company that you believe will keep you properly protected that has better rates, you’ll have to deal with getting to know a new Agent. So after doing all the leg work, you now have a new agent and less expensive insurance. That is until the next rate increases comes your way and then you’ll start the process all over again.
An Independent Agent’s advantage is, he does all that shopping for you and once he finds the carrier with much improved rates, he simply moves your insurance to the new carrier. And the best part is: YOU GET TO KEEP THE SAME AGENT.
An independent agent always represents many companies that they can quote to find you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, and that’s what we do at Peoples Insurance.