1) Direct Writer – example Geico or E-surrance

         · Direct writers are located in another state
         · You will dial a 1-800 # & most likely never get the same person again
         · They have one company’s rates to offer you – that’s it
         · Grossly limited in product lines – Auto and Home only 

2) Captive Agents – example All State or Nationwide

        · You deal with a local agent
        · You can talk to the same person all the time
        · They have one company’s rates to provide you
        ·  Limited in product lines – broader than a Direct Writer but still limited 

3) Independent Insurance Agency

        · You will always get the same person when you call
        · We don’t write insurance for just one company but we write for
          dozens of insurance companies – which allows us a better chance
          of obtaining lower rates for you!
        · We write any and all types of insurance – not just one or two
          products
        · See our products on the Products & Companies Tab