Independent Insurance Agent

As the owner of an independent insurance agency I want to share some comments about the independent agency system compared to other forms of insurance distribution.  An independent insurance agency is an insurance firm that represents multiple insurance companies.  A Captive insurance agency is one that primarily represents one company.  Some of the advantages of being an independent insurance agent are:

1.       Since we represent multiple insurance companies we are able to offer our clients competitive pricing and a choice of coverage’s and products that are right for the customer.

2.       Because an independent agent represents more than one company a customer does not have to change agents or representatives, if the customer wants to change insurance companies because of pricing, coverage, or service.

3.       An independent agent offers one stop shopping for all coverage’s, auto, home, business, life, and health insurance and acts as a consultant to offer the customer a choice of insurance plans and programs.

4.       Independent insurance agents own their own business, are active in the community, and strive to provide the best customer service.

5.       Independent insurance agents assist customers when there is a claim.

What is the current state of the insurance business?  According to Market Scout, personal lines insurance rates which are automobile and home insurance are increasing on average of 4.0%.  We are seeing some home rate increases in the 10.0% range and even higher if there is past claim history. For business insurance, Market Scout indicates that pricing is increasing 5.0%.

Due to rate changes and coverage changes, now is the best time for customers to associate with an independent insurance agent.  At Nixon Insurance Agency Inc we can shop multiple markets and offer various premium and coverage options.  Presently Nixon Insurance Agency Inc is using the following insurance companies: Auto Owners Insurance Company; AAA Member Select; Blue Cross Blue Shield; Employers Preferred; General Casualty Insurance Company; Grinnell Mutual Insurance Company; Hanover Insurance Company; Humana Insurance Company; Progressive Insurance; RLI Surety; Society Insurance Company; Travelers Insurance; and West Bend Mutual.  We also have access to multiple other insurance companies through the wholesale insurance market.

If you are a current customer of Nixon Insurance Agency Inc, thank you for your business.  If you are a prospective customer, we would be glad to review your current insurance and offer some options.

Thank you!

Dave Nixon, Owner

Nixon Insurance Agency Inc