Local independent insurance agents

5 Reasons to Use Local Independent Insurance Agents

Maybe you’re starting a new business. Or perhaps you’re just curious about whether you’re overspending on your premiums. Getting an insurance rate comparison is a great way to research your options and get a policy that’s right for you.

But you have a choice: use up next week’s lunch breaks calling every insurance company you can or getting an insurance rate comparison from an independent insurance agent.

Aside from the fact that they’re completely free (yep!), here are five reasons why local independent insurance agents are better than buying your policies directly from the corporate office.

1. They’re Locally Focused

hand holding magnifying glass

National insurance companies provide excellent coverage, but it’s hard for their call center agents to focus on your local area when they have about a million other ones to look out for.

Local independent insurance agents, on the other hand, are familiar with your neighborhood. They know that your beach storefront needs higher flood coverage or that your dental office needs a certain level of Malpractice Insurance.

Your local independent insurance agent is also able to be more involved in your community. (Our insurance agency participates in the Make-a-Wish Walk for Wishes each year and uses our referral program to benefit local charities.) Who says you can’t manage risk while giving back?


2. They Can Compare Rates For You

hallway filled with doors

This might be news to you, but no single insurance company can lay claim to being “the cheapest.”


Because your life, car, home, or business insurance premium is based on a number of different factors: your age, marital status, address, business type, and many others.

So how do you know which insurance company will give you the best rates? There’s a simple fix: you get an insurance rate comparison from several different companies. But who has that kind of time?

Local independent insurance agents do! You can turn dozens of calls into just one by giving your info and coverage needs to your agent. They’ll do the work for you and come back with the best quotes for you to choose from.

You’ll be getting the exact coverage you need at the most competitive price.


3. They’re Your Advocate

local independent insurance agents don't work for the insurance company; they work for you

Your independent insurance agent is called “independent” because s/he doesn’t work for an insurance company. They work with many different insurance companies, but they work for you!

This means that they aren’t limited to only plans and policies by one company, like a captive agent is.

If your lifestyle and insurance needs mean that State Farm or Nationwide is not the best option for you, they’ll recommend another company. If your insurance company drops you because your roof is too old, they can find a different company before you’re even aware that there’s a problem.

They also have access to insurance companies that you may never even heard of. Auto-Owners, for example, is only available through a local independent insurance agent.

Basically, independent insurance agents like us aren’t looking out for the insurance company’s bottom line; we’re looking out for your interests.


4. They Give Expert Advice

local independent insurance agents can provide you with expert advice

Unbiased advice is great, but you also want that advice to be accurate.

Independent insurance agents live, think, and breathe insurance. It’s their business, so they’re able to explain any complicated policies or rate changes in a way you can trust and understand. They have experience dealing with many different insurance companies over many years, so they are used to how each one works.

If you’re having issues contacting the insurance company to make a claim, you can speak to your independent insurance agent for advice.

And you won’t have to sit on hold for 45 minutes, either.


5. They Know You

independent insurance agents customize their advice for you

Because they work directly with you and with the insurance companies, local independent insurance agents are able to custom-fit your insurance coverage to your unique needs.

They know your kids’ names, what’s featured on your restaurant’s menu, and why you want worker’s comp insurance even if you don’t have any employees. As your business’ or family’s needs change, they’re able to stay one step ahead and make suggestions that will benefit you.

Being able to whittle down your insurance needs to hit that perfect balance of “not too much, not too little,” means you’ll only be paying for the coverage you need.

Having an insurance agent that knows you also means getting answers to basic questions easier. Drop in, call, or shoot us an email. (Try that with the corporate office and see how far you get.)


Local Independent Insurance Agents: The Smart Choice

Rather than calling around for hours to get your insurance quote—or, worse yet, not comparing quotes at all—call a local independent insurance agent. You’ll get expert, unbiased advice from someone who knows you and wants to see you and your business succeed.

At Harry Levine Insurance, we always keep our customers first and foremost. It’s how we’ve always done business.

We keep ourselves up-to-date with everything insurance-related (seriously, you should see how often we travel for work!) and I’m on the Board of Directors with the Florida Association of Insurance Agents.

If you’re looking for an insurance rate comparison for your personal or business needs, we’d love to help out.



About the Author

Jason received a Masters of Science & Management in Risk Management & Insurance from Florida State University. He has been with Harry Levine Insurance for 9 years and handles the leadership of daily operations. He was the 2013-2014 Florida Association of Insurance Agents Young Agent Council's Agent of the Year. Currently serves on FAIA Board of Directors.


  1. You made a good point that a local insurance agent will be able to get your insurance needs to fit you perfectly. I have been in need of new insurance coverage as my job doesn’t offer all the benefits I need. Maybe a local insurance agent will be perfect for getting the coverage I need.

    • Hi Thomas,

      Yes, A local specialist is definitely the way to go! You’ll have access to leading national markets but an advocate who knows you and the surrounding area. What type of benefits are you looking for?


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