Number Of Insurance Companies
✗ one company only
? varies by agency
✓ 40+ carriers
Ability To Shop Your Rate
✗ only their own rate
✓ usually
✓ we shop multiple carriers
Easy Switching If Prices Increase
✗ full rewrite to move
? some do
✓ seamless process
Claims Support
✗ carriers handles their way
? sometimes
✓ we guide you
Personalized Coverage Review
✗ limited or none
? varies
✓ annual review
Customized Insurance Plan
✗ pre-set options
✓ often
✓ tailored to your needs
Home + Auto Bundling Flexibility
✗ must bundle with same company
? sometimes
✓ mixed carriers for best deal
24/7 Customer Service
✓ call centers 24/7
? varies
✗ business hours only
Self-Service Tools
✓ strong apps
? sometimes
✓ online access
Speed Of Proof Of Insurance
✓ often instant
? depends on agent
✓ fast turnaround
Compare Coverages Side By Side
✗ only their product
? sometimes
✓ yes
High-Risk Drivers
✗ limited or decline
? depends on access
✓ more carrier options
New/Teen Drivers
✗ often very expensive
✓ usually
✓ multiple options
Business/Commercial Policies
✗ limited availability
? varies
✓ broad selection
Specialty Vehicles (RV, Toys, etc.)
✗ few options
? sometimes
✓ many carriers
High-Value Homes
✗ not always competitive
? sometimes
✓ access to niche carriers
Flood Insurance Choices
✗ usually federal-only
? sometimes
✓ multiple options
Fair, Honest Recommendations
✗ incentives to push products
✓ often
✓ no carrier quotas
Variety Of Discounts
✗ limited to one company
✓ usually
✓ across many carriers
Customer Education
✗ sales focused
? varies
✓ very strong
Who They Ultimately Work For
✗ the insurance company
✓ usually you
✓ you, the client
Mobile App Choices
✓ strong branded app
✗ uses carrier apps
✗ uses carrier apps
Speed Of New Quotes
✓ usually quick
? varies
✓ fast
Text Message Communication
? varies
? sometimes
✓ yes