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Independent Agent - Dave Ramsey's Number One Top - Shield Insurance Agency Blog

Independent Agent: Dave Ramsey’s Number One Tip

Posted on October 5, 2020August 30, 2023 by Shield Insurance Agency

“If you’re looking to save hundreds, even thousands, on your insurance costs, consider Dave’s number-one tip: Purchase your coverage through an independent insurance agent, which is an agent who represents several insurance companies instead of working for just one carrier.” – Dave Ramsey

Shield Insurance Agency is a 3rd Generation Agency providing all Independent Agents

In today’s economy we cut coupons, look for BOGO’s, and try to find the best insurance coverage for our buck. With insurance agents, there are two types – Captive and Independent.

A captive agent is one who works for one specific company and is able to provide one companies products.

From Dave

An independent agent is one who sells insurance products for several different companies but does not work for a specific company. So as we spend our time looking for ways to trim costs, one easy way to do that is to contact your local independent insurance agency and see how they can help.

Shield Insurance is an Independent Agency, Endorsed by Dave Ramsey

Google Takes on Auto Insurance

Posted on June 22, 2019August 28, 2021 by Shield Insurance Agency

Is Google taking over auto insurance???

Big in the news is that you can now get auto insurance quotes from Google (CA only so far). They’ll shop a bunch of different companies and show you all the rates, then you can choose a policy and buy it. Pretty cool, eh? Many experts are kind of freaking out about how this will affect the independent agent and if it is the beginning of our demise! I absolutely beg to differ!!

Here’s (partly) why: When google asks a question “What liability limits do you want” and you see options of ‘state minimum’, ‘100/300’, or ‘500CSL’, do you know what to choose? And more importantly, WHY you should make a certain choice? An independent agent can help you answer that question. An independent agent can also help you make strategic decisions on deciding whether to decline a specific coverage. We are your partner in helping you get a policy that doesn’t over or under-insure you. Google also has tons of analytical data, such as speed limits, crash statistics, traffic stats, etc, which should help make it be able to estimate a price for insurance if they ever actually decided to sell auto insurance themselves.

But another great thing about independent agencies is that we can sell many other products along with auto insurance! Such as home, health, life, or business insurance. So, it makes sense for a person to keep all their insurance in one place, to take advantage of “multi-policy” discounts, and even just for simple ease of doing business. So, the customer doesn’t have to keep track of lots of phone numbers of places to call for insurance!! This is just the tip of the iceberg on this topic! But it’s definitely an interesting topic to see how certain groups are responding. Have a great day!

Thanks, Andy