What’s An Independent Agent?


Watkins Insurance Group is proud to be an independent insurance agency with experienced, professional agents that work hard for you every day. Our goal is to make every client feel like our only client—with personal consultation and service as the basis for a long-term partnership.
You might wonder how we differ from other agencies, particularly those who work directly for large insurance companies and those who work over the phone or online, providing impersonal quotes and no personal service. The difference is simple: we work for you.

There are three types of insurance agents: captive agents, online/1-800 companies and independent agents. Captive agents represent only one company or family of companies—they cannot shop around to find you the best price or special coverage that the company they work for does not offer. They might have a presence in a local office, but their product offerings will be limited to one company. Direct telephone agents also represent only one insurance company, but they only work with customers from a distance, online or over the phone.

We believe that your insurance agent should serve as a trusted advisor who provides personal consultation and service to you and your family, now and in the future. The agent you work with to buy your home or auto insurance today should be the same one you work with tomorrow, next year, or ten years from now when you purchase a new home, add vehicles and drivers as your children get older, or that you talk to about life insurance and other essential protections for your family. If this does not describe your agent, it should.

As an independent insurance agency, Watkins Insurance Group represents several insurance companies. We are have a longstanding reputation and strong ties to our community, and we perform in-depth research to find you the insurance programs with the best combination of price, coverage and service.

  • Consider the following reasons to put your trust in Watkins Insurance Group:
  • We are licensed, professional agents with strong community ties.
  • We will forge a long-term relationship with you and your family.
  • We promise excellent, personal service.
  • We have access to more coverage options at more competitive prices.

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