What’s the difference between State Farm” agency versus a local independent insurance agency?

Let’s start from the beginning.  State Farm is a captive insurance company that uses captive agencies.  A captive agency can generally represent only one insurance company. 

Who are some captive insurance companies? 

Allstate, State Farm, Farmers, American Family, and 800-number companies like GEICO are a few examples. 

Why captive agents? 

Captives have pretty awesome TV commercials and ads.  Billions of dollars (yes, billions of dollars) are spent by Captives to gain your trust and branding recognition.  Seriously, peace of mind is a big deal and when we see and hear their commercials all-the-time we tend to believe it. 

How can a local independent insurance agency create more value? 

  • Options – Captives have their cookie cutter policies which may limit the coverage you want or need.  An independent can seek out multiple carriers to find one that best fits you in cost and coverage. 
  • Relationship – A good independent agency will put you with a quality carrier, but if something happens and you need an alternative an independent can help you in-house.  The legwork is on your agent to get another quality carrier lined up.  
  • Your interest – An independent agency has experience with multiple carriers giving you a better grasp of what your choices are in billing, claims, and coverage.  A captive agent must spout the corporate line. 
  • Local presence – They know your neighborhood.  Local contractors.  Local auto bodyshops.  Local churches.  Local charities.  Local businesses.  An 800 number does not know where your zip code is let alone where Fort Wayne, Indiana is.  Locality is important in a time of trouble.
  • Simplification – Insurance can be a very simple subject if you never have a claim.  Being in the industry for over a decade I personally know that it can get very complicated very fast.  A good independent will be a teacher at heart, be available for you, and be your advocate. 

Which independent agency can I trust? 

  • Find an agent that will empower you
  • Ask – who they are? Ask – why them? Ask – who they represent? 
  • If they don’t ask about you, find a better one

Jeremy Hyde | Colligan & Company

Independent Insurance
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About the Author: Jeremy Hyde

Christian, MK/PK, Brother, Husband of a magnificent wife, Father of three sons and two daughters, Insurance dork, Sports and Racing fan, Competitor, Coach, Early riser, Grill-man, Yearner of sand dunes and Lake Michigan, Owner of a Yorkie named Gerald, Wannabe basketball player, Reluctant handyman, Car enthusiast, Admirer of passion and excellence and design...

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229 Comments

  1. Morris Kerstein December 28, 2018 at 6:58 pm - Reply

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  2. Cindy Fabiszewski June 18, 2019 at 6:40 am - Reply

    This actually answered my problem, thank you!

  3. Anonymous July 2, 2019 at 3:55 pm - Reply

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  4. Manny Sheetz November 3, 2019 at 4:51 am - Reply

    You produced some decent points there.

  5. Brad Uhlman November 10, 2019 at 2:23 pm - Reply

    Best agency in Indiana!!

  6. Lilly Lanier November 28, 2019 at 8:22 am - Reply

    Appreciate the recommendation. Will try it out.

  7. Bianca Andreescu December 2, 2019 at 9:01 am - Reply

    Greetings! Very helpful advice!

  8. Rose Cochran December 10, 2019 at 1:42 am - Reply

    Thank you for the insurance write-up. Home and auto insurance can be difficult to find a trusted source. Rose

  9. Dia Smith December 10, 2019 at 4:11 am - Reply

    I like what you guys are up to also. Such good work and insurance helpfulness! Carry on the superb works guys!

  10. Levi Benditti December 21, 2019 at 11:59 pm - Reply

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  11. Monty Able December 22, 2019 at 8:26 pm - Reply

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  12. Cinda Curksey December 23, 2019 at 1:27 am - Reply

    This actually helped me, thanks!

  13. Steve Woodrow December 30, 2019 at 1:42 am - Reply

    Good post.

  14. Del Holler January 16, 2020 at 8:37 am - Reply

    Nice article

  15. Larry January 28, 2020 at 4:14 am - Reply

    Thank you for this article. I’d also like to talk about the fact that it can often be hard if you are in school and merely starting out to establish a good insurance relationship. Independent insurance agents seem to be the way to go if you trust them. There are many learners who are just simply trying to make it through life that I think you can help.

  16. Will Lund January 28, 2020 at 9:28 pm - Reply

    My brother recommended I might like this blog. He was entirely right. You can not imagine simply how much time I had spent for this information! So many people waste time shopping for insurance for them self? Why, when you can have an independent and qualified person to do it for me?! Thanks!

  17. Jude Kotschevar February 1, 2020 at 1:47 am - Reply

    Thanks for the insurance advice

  18. Sam February 1, 2020 at 2:18 am - Reply

    I’m not sure why someone would use State Farm!!

  19. Alex Fox February 4, 2020 at 6:40 pm - Reply

    I’m happy to use an independent agency rather than State Farm and AllState.

  20. Lisa W February 23, 2020 at 11:33 pm - Reply

    That is an insurance benefit for clients

  21. Fran Ashwood February 26, 2020 at 12:57 pm - Reply

    Very informative. I’ve wondered how independent agencies work compared to AllState, State Farm, Farmers Insurance, etc. I wonder why the general public does not take more advantage of this? You mentioned TV commercials… You must continue your writing. I am confident you have a great readers’ base already!

  22. Abby March 22, 2020 at 11:24 pm - Reply

    Thank you. It makes sense, I can do it all myself and use AllState or State Farm or even Geico or I can use an independent agency that has options and professional help!

  23. Ed March 23, 2020 at 8:24 am - Reply

    Thanks for the info, after changing from State Farm, I would recommend it because of the options… as long as you trust the agency.

  24. Taylor Maccarthy March 25, 2020 at 4:02 pm - Reply

    I feel a lot more at ease coming to Colligan since I know I can make changes in the future without having to fire you!

  25. Cory Fowell March 31, 2020 at 12:07 am - Reply

    Glad to see a quality independent insurance agency in Fort Wayne

  26. Jessie April 23, 2020 at 2:07 pm - Reply

    I would use an independent insurance agent, it seems like an intelligent thing to do.

  27. Erik April 27, 2020 at 6:05 pm - Reply

    Colligan is a solid Fort Wayne insurance agency

  28. Erin W April 28, 2020 at 4:33 am - Reply

    It’s important to work with an insurance agency that you trust too!

  29. Joel April 28, 2020 at 3:27 pm - Reply

    If you need insurance in Fort Wayne, call Colligan

  30. Frank Temple April 28, 2020 at 5:56 pm - Reply

    Glad I found Colligan Insurance in Fort Wayne!

  31. Erin F April 28, 2020 at 10:00 pm - Reply

    Thank you for helping me with my home and auto insurance Colligan agency

  32. Seth Meyer April 29, 2020 at 12:28 am - Reply

    Being local is going to help your agency too

  33. Olivia April 29, 2020 at 2:56 am - Reply

    I’m glad to have a single expert on my team for my insurance.

  34. Frank April 29, 2020 at 2:56 am - Reply

    Go with an independent agent that has good carriers!

  35. Stacey April 29, 2020 at 5:24 am - Reply

    I need a trusted insurance agent, it’s good to have help

  36. Brad April 29, 2020 at 7:53 am - Reply

    Thanks for your work in Fort Wayne. I recommend your insurance agency.

  37. Pal April 29, 2020 at 10:26 am - Reply

    Good insurance info

  38. Nikki April 30, 2020 at 12:09 pm - Reply

    I’m glad I moved my home and auto insurance to you from Metlife

  39. Earl April 30, 2020 at 12:51 pm - Reply

    It’s nice to have local agencies like Colligan Insurance

  40. Gabe April 30, 2020 at 2:49 pm - Reply

    Don’t believe the commercials, go with a local independent agency like Colligan Insurance!

  41. Audrey Cook May 1, 2020 at 11:23 am - Reply

    I’m glad to have an independent insurance agent like Colligan

  42. Brittany May 1, 2020 at 3:54 pm - Reply

    Thanks for the info

  43. Liz May 3, 2020 at 3:30 pm - Reply

    My brother is with AllState so it will be impossible to leave him but I think an independent agency is the better choice.

  44. Frederick May 3, 2020 at 5:58 pm - Reply

    There are good agents in bad agencies so it’s also important to know the difference and the true value of your insurance.

  45. Steve May 3, 2020 at 8:25 pm - Reply

    I hope everyone has an agent they trust and will give them good insurance info

  46. Alex P May 3, 2020 at 10:51 pm - Reply

    thanks for your insurance info

  47. Ali May 4, 2020 at 1:20 am - Reply

    I’m glad there is a local independent agency that is small enough to care and big enough to handle my insurance needs

  48. Willis May 4, 2020 at 1:31 am - Reply

    Hello, after reading this remarkable insurance article i am too delighted to share this info with my friends.

  49. Melissa May 4, 2020 at 3:48 am - Reply

    Excellent insurance blog post. I certainly love this site.
    Continue the good work!

  50. Sherri May 4, 2020 at 3:50 am - Reply

    It seems since if you trust your insurance agent

  51. Phyllis May 4, 2020 at 6:19 am - Reply

    I do consider it an advantage to work with your agency

  52. Etienne May 4, 2020 at 8:48 am - Reply

    Thank you for your insurance information

  53. Obi Wani May 4, 2020 at 11:18 am - Reply

    Fort Wayne has a quality insurance agent in Colligan!

  54. Finley S May 4, 2020 at 1:48 pm - Reply

    Nice summary article – I’d also recommend using a local insurance agency right here in Fort Wayne

  55. Amanda Genn May 4, 2020 at 5:27 pm - Reply

    Thank you for this article, makes better sense now

  56. Shannon Whitton May 16, 2020 at 7:27 pm - Reply

    You really need to trust your insurance agent. Bottom line. And if it makes you trust your agent more when they have a bunch of insirance companies then fine. There are good agents that are stuck with only one market but I understand if its harder to trust them if they are really just pitching their corporate product. Best scenario is finding a solid agent/agency and working towards trust. Thanks for your work. Also I think most independents can do business insurance much better so if you are a business owner then really find an independent that suites your needs.

  57. Pam P May 17, 2020 at 11:10 pm - Reply

    Colligan is a solid independent agency for commercial insurance like workers compensation

  58. Linda May 19, 2020 at 10:46 pm - Reply

    Thank for the advice on what I should look for in an insurance agent

  59. Al Lindy May 20, 2020 at 1:47 am - Reply

    Most businesses use independent agents I would think Allstate does not have much appetite.

  60. Jason Heffery May 20, 2020 at 5:18 am - Reply

    If State Farm didn’t advertise so much independent agents would rule, it just makes so much more sense to use an agency with a lot of options to do the work for you.

  61. Tony Wire May 20, 2020 at 7:12 am - Reply

    I’m glad to put my commercial insurance with an independent agency. More options, better advice too

  62. Meredith Thorr May 21, 2020 at 3:53 pm - Reply

    Thanks for the blog and for what you do in Fort Wayne

  63. Cara Courtey May 22, 2020 at 3:42 am - Reply

    Thanks for the good info about independent agents

  64. Tracie Vesley May 22, 2020 at 7:52 am - Reply

    Good info on what to look for in a commercial or business agent

  65. Micky May 25, 2020 at 9:04 pm - Reply

    Yes, for sure a quality independent agent with quality markets is the way to go

  66. NIkki May 27, 2020 at 9:51 am - Reply

    Colligan, thanks for the blog and info on independent agents

  67. Rusty Franza May 28, 2020 at 1:28 pm - Reply

    I’m glad I found your agency…we need to talk about my commercial insurance and then maybe my home and lake home

  68. Jewel Sandy May 28, 2020 at 8:20 pm - Reply

    There needs to be more insurance agencies like you guys

  69. Milo Meem May 29, 2020 at 10:25 am - Reply

    I like it when folks share opinions and this is a good agent in Fort Wayne. Great website, stick to it!

  70. Devin Hoyt May 30, 2020 at 3:00 pm - Reply

    Fort Wayne needs more independent agents like you. Thank you!

  71. Chris Karstens May 31, 2020 at 10:13 am - Reply

    Nice post and I agree, many people can benefit from a good independent agency.

  72. Kyra Dehaney June 2, 2020 at 3:08 am - Reply

    Thank you Colligan for spelling out some of these differences

  73. Justine June 3, 2020 at 8:30 pm - Reply

    The big difference… Options!

  74. Shantae June 4, 2020 at 5:14 am - Reply

    Hi my friend! I wish to say that this article is amazing, great written and come with almost all significant info about insurance agencies.

  75. Gidget Nardy June 4, 2020 at 5:22 am - Reply

    Colligan is a good independent agency, right size, right people

  76. Celia Poitra June 4, 2020 at 11:59 am - Reply

    Your content is important to people that actually care about what they buy.

  77. Leon Whetten June 5, 2020 at 5:33 am - Reply

    Go with a trusted independent agency

  78. Suzanne Hage June 6, 2020 at 5:34 am - Reply

    I found your agency through Google and I am glad I did. Thanks Colligan.

  79. Rufus Quinn June 8, 2020 at 8:03 am - Reply

    Good post however I was wondering if you could write a little more on this insurance topic? I’d be very grateful if you could elaborate a little bit more. Thanks!

  80. Ashley Amiri June 8, 2020 at 4:37 pm - Reply

    I’m glad your agency is independent, the options make it convenient if there is a problem.

  81. Tom Padovani June 9, 2020 at 4:01 am - Reply

    What does it take to get more insurance traffic? I think I can help you with my business too.

  82. Pablo Kauahi June 9, 2020 at 4:18 pm - Reply

    Hello, your writing style is understanding for insurance language :), keep doing what you’re doing!

  83. Theresa Bual June 10, 2020 at 7:29 am - Reply

    This is a nice short response to State Farm and Geico type insurance. Good job to a Fort Wayne agency.

  84. Will June 12, 2020 at 11:18 am - Reply

    I was on yahoo and found your agency. Thanks for what you do.

  85. Sarah W June 16, 2020 at 1:45 am - Reply

    Gotta go with an independent. Go with Colligan

  86. Willy S June 16, 2020 at 4:06 pm - Reply

    Good info on why an independent agency should be worth exploring.

  87. Edy June 22, 2020 at 5:01 am - Reply

    Nice article, thanks for writing it and helping people with insurance.

  88. Leland June 24, 2020 at 3:23 am - Reply

    An independent agency with a good history is key

  89. Manuel Beeby June 28, 2020 at 7:14 am - Reply

    Having insurance choices with one agent is nice

  90. Adolph Hatke June 29, 2020 at 2:20 pm - Reply

    Great post. And useful. I’d say with an independent you need to trust the insurance carrier too plus the agent.

  91. Phill G July 4, 2020 at 9:54 pm - Reply

    Personal service too!

  92. Sudie Aaston July 6, 2020 at 6:21 am - Reply

    Good info and happy to work with a small expertise driven agency like Colligan

  93. Riley Flanegan July 9, 2020 at 7:59 am - Reply

    I like how you guys do business and look forward to doing it with you.

  94. Chris Dennis July 9, 2020 at 11:23 am - Reply

    Good post. I think it’s important to discuss and know.

  95. Derrick Nafe July 13, 2020 at 9:29 am - Reply

    It’s good to have a good independent agent in Fort Wayne

  96. Jerold Med July 14, 2020 at 2:41 am - Reply

    It’s hard to be State Farm on personal insurance, I love their commercials

  97. Jerry Georm July 16, 2020 at 9:16 am - Reply

    Thanks for the info, makes sense

  98. Matt Crutty July 16, 2020 at 11:56 pm - Reply

    Thanks guys, appreciate how you do business

  99. Shane Rollin July 19, 2020 at 8:21 pm - Reply

    It’s soooo much easier!

  100. Cindy W July 20, 2020 at 9:22 am - Reply

    Independent agent is the way to go… don’t mess around

  101. Cameron Kale July 20, 2020 at 9:53 am - Reply

    Colligan is a good place to go for insurance

  102. Thad Sickman July 21, 2020 at 11:40 am - Reply

    If you can find an independent agent you trust and like, go with it

  103. Robert Async July 25, 2020 at 9:19 am - Reply

    Well done and way to get some really good carriers under your agency

  104. Bret Glendo July 29, 2020 at 11:51 am - Reply

    Good info and written properly…

  105. Dakota Nosal July 31, 2020 at 11:13 am - Reply

    It’s good to have options with someone you trust

  106. Jamal Tindal August 1, 2020 at 7:52 am - Reply

    I am really thankful for you guys. Good work

  107. Ronald Gah August 7, 2020 at 6:31 am - Reply

    Thanks for the info, good to have an agency like Colligan’s around Fort Wayne…

  108. Dalton Bliek August 17, 2020 at 9:00 am - Reply

    Go independent w Colligan.

  109. Isaiah Keech August 23, 2020 at 9:00 am - Reply

    This is relevant… too bad you guys don’t spend the money for commercials too

  110. Larry Windy August 25, 2020 at 6:02 am - Reply

    I think it can be easier to trust State Farm because they are every where, but I think you can also get more value from an independent agency.

  111. Gerald Frazier August 25, 2020 at 11:25 am - Reply

    It makes a lot of sense to work with an independent agency, but you should learn about the agency and its carriers.

  112. Regina W September 3, 2020 at 3:06 am - Reply

    Thank you, good article and well done Colligan for being this kind of insurance agency

  113. Bella Burwell September 5, 2020 at 5:33 am - Reply

    I trust you guys, thanks for helping

  114. Matthew D September 6, 2020 at 4:10 am - Reply

    Thank you for this information… helpful

  115. Maddy September 6, 2020 at 11:48 am - Reply

    Insurance is more complicated than it seems and that’s why I want a team on my side.

  116. Germain September 6, 2020 at 1:41 pm - Reply

    Independent insurance means they work for me~ That’s cool

  117. Corey September 6, 2020 at 2:00 pm - Reply

    I respect these guys at Colligan. Insurance the best way you can.

  118. Janette Burgen September 6, 2020 at 5:27 pm - Reply

    For those of you who like to enjoy a change of mind, Colligan Insurance will do it the right way.

  119. Shenna September 6, 2020 at 10:07 pm - Reply

    I wonder how you guys stay competitive with the 800 number insurance companies

  120. Davis September 7, 2020 at 8:01 am - Reply

    It’s complex but one agent with options builds the best way

  121. Taruhan Bola September 7, 2020 at 6:07 pm - Reply

    Unquestionably believe that which you said.

  122. Cole September 8, 2020 at 5:44 pm - Reply

    I like the options and who I work with at Colligan! Go Jeremy! Thanks!

  123. Jorge September 9, 2020 at 11:07 pm - Reply

    I wonder how many people have a tendency to just stay where they are…

  124. Hans Waisner September 11, 2020 at 12:41 am - Reply

    My relatives each time state that I am just killing my time here at web, but I understand I am just getting familiarity each day by reading this pleasant content.

  125. Tisha Chehab September 11, 2020 at 7:13 pm - Reply

    There are much bigger agencies its just that the service gets bad

  126. Misty Brewington September 11, 2020 at 7:30 pm - Reply

    Thank you for sending me this info, I understand better…

  127. Danny September 12, 2020 at 2:16 am - Reply

    Good options, good choice

  128. Beg September 12, 2020 at 5:48 am - Reply

    You gotta be smart about this kind of stuff, good insurance blog

  129. Becky Benedict September 12, 2020 at 6:51 am - Reply

    thanks guys… Jeremy and crew I love working with you.

  130. Shelly September 15, 2020 at 4:35 am - Reply

    What’s up to every single article, it’s truly a great thing for me to go to see this web page, it contains priceless Information.

  131. James Wilfred September 15, 2020 at 6:40 am - Reply

    I have State Farm… it makes sense but hard to make a change after all this time.

  132. Bob September 15, 2020 at 4:44 pm - Reply

    It’s the best way to do insurance

  133. Matty September 16, 2020 at 3:34 am - Reply

    The best way to protecting you family is working with an agency like Colligan

  134. Hughe September 16, 2020 at 3:55 am - Reply

    Typically the newest and the majority of agents are money driven, you guys are client driven. Nice!

  135. Patty September 16, 2020 at 11:57 am - Reply

    Thanks insurance nerds now I don’t need to be one :)

  136. Tim Zimmerman September 19, 2020 at 7:26 am - Reply

    I’ll definitely come again again.
    Good info for Fort Wayne people.

  137. Home remedy September 21, 2020 at 10:26 am - Reply

    It’s hard to come by knowledgeable people in this particular topic, but you seem like you know what you’re talking about!
    Thanks

  138. Cathleen Irvin September 24, 2020 at 1:54 am - Reply

    Thank you for the info

  139. savannah bourgeois September 24, 2020 at 7:05 am - Reply

    Wow! Finally I got a weblog from which I can really take useful insurance info.

  140. Pan Amaneru October 4, 2020 at 2:34 am - Reply

    Thanks for putting this together, I understand the insurance differences better now

  141. Asa Outin October 4, 2020 at 7:39 am - Reply

    This is good information to understand what insurance is…

  142. Fred C Keros October 7, 2020 at 8:37 am - Reply

    Its better for you to work with someone who knows what they are doing and is not tied to one option only

  143. Andy F October 17, 2020 at 12:38 am - Reply

    You got to have an advantage and these guys do

  144. Dan I October 18, 2020 at 6:14 pm - Reply

    It’s a big time advantage for me as the client knowing you can help

  145. Andy Fetters October 21, 2020 at 6:14 am - Reply

    We trust you guys, thanks for the good work

  146. Ram Trolf October 21, 2020 at 8:26 am - Reply

    Thank you for your work in the Fort Wayne

  147. Dominick October 25, 2020 at 3:18 pm - Reply

    Nice to have one agent have options

  148. Dan October 29, 2020 at 2:48 pm - Reply

    I think it’d be important to know who you work with

  149. Red October 30, 2020 at 9:54 am - Reply

    It’s amazing how much better you can trust folks with they aren’t selling you something

  150. Sammy Opal November 2, 2020 at 8:12 am - Reply

    There need to be more independent agencies

  151. Lucille November 5, 2020 at 10:47 pm - Reply

    I really enjoy having options, but its also important that they are good options

  152. Frank November 8, 2020 at 3:34 pm - Reply

    I really appreciate this article, makes sense

  153. Percy Bouie November 9, 2020 at 1:08 pm - Reply

    Good article, thanks for the info. I wonder why more people don’t go this route?

  154. Amy F November 26, 2020 at 5:35 pm - Reply

    Thanks, glad there is an agency in Fort Wayne like Colligan Insurance!

  155. Valeria L November 27, 2020 at 5:56 pm - Reply

    If there are good insurance company options, then yes, this makes sense

  156. Brad W December 2, 2020 at 6:37 am - Reply

    I trust you guys, thanks

  157. Tara Grinder December 3, 2020 at 7:21 am - Reply

    Independent agents are the way to go if they have a good track history and good companies

  158. Gilbert A December 12, 2020 at 11:50 pm - Reply

    Options with one agent got to kill State Farm?

  159. Amy B December 15, 2020 at 11:07 pm - Reply

    Thanks you guys are good at what you do.

  160. Sherry December 16, 2020 at 6:16 pm - Reply

    Thanks for your website Colligan agency

  161. Gary December 23, 2020 at 2:42 am - Reply

    An interesting discussion is worth comment. I think that you should write more on this topic, it might not be a taboo subject but generally people are not enough to speak on such topics. To the next. Cheers

  162. Patty December 24, 2020 at 3:56 am - Reply

    Thanks good blog go insurance guys

  163. Davey December 27, 2020 at 8:48 am - Reply

    Good insurance blog

  164. Brian B December 28, 2020 at 3:57 pm - Reply

    Thanks guys

  165. Tim S December 31, 2020 at 8:34 am - Reply

    Good firm arguments by telling everything regarding why folks should consider your agency.

  166. Dicky W December 31, 2020 at 7:34 pm - Reply

    good stuff!

  167. Lee C January 3, 2021 at 9:12 pm - Reply

    good blog, I’ll follow you for your good articles

  168. Scot H January 11, 2021 at 8:22 am - Reply

    Colligan is a good independent agency

  169. Williams Family January 13, 2021 at 12:25 am - Reply

    You guys are good…thanks for the advice and options. We trust you

  170. Mark Hudson January 14, 2021 at 8:44 pm - Reply

    I definitely see the advantage of working with you all

  171. Frances February 8, 2021 at 2:57 pm - Reply

    I gotta admit, I should use your independent insurance agency

  172. Wally February 20, 2021 at 1:46 pm - Reply

    I’ve been exploring for a bit for virtually any high quality articles or blog posts on this type of area. Exploring in Yahoo I eventually came across this website.

  173. George February 22, 2021 at 12:58 pm - Reply

    makes sense. more markets. more options

  174. Kae February 24, 2021 at 6:33 am - Reply

    Thats some nice writing and I definitely understand it. Thanks

  175. Jake February 25, 2021 at 5:56 pm - Reply

    Great blog. Insurance is a tough subject, keep writing

  176. Eli March 5, 2021 at 9:43 pm - Reply

    I had State Farm on my auto and AllState on my home for years, then my fire claim made me have deductibles on both! Ugh~

  177. Ivy March 5, 2021 at 9:57 pm - Reply

    As long as they have good carrier options, then it makes sense

  178. Aaron March 6, 2021 at 3:33 am - Reply

    There are a lot of good insurance carriers out there

  179. Eric March 6, 2021 at 9:04 am - Reply

    independent agency like Colligan is a good choice

  180. Oscar March 6, 2021 at 9:11 am - Reply

    Options and advice sounds like a good combo

  181. Iggy March 6, 2021 at 3:00 pm - Reply

    Don’t wonder about this, put on your adult pants and do the right thing

  182. Amy March 6, 2021 at 7:32 pm - Reply

    State Farm? AllState? Farmers? Nope, Colligan :)

  183. Uncer March 6, 2021 at 7:37 pm - Reply

    If you don’t recommend changing carriers why not use a captive, I guess you answered that in your article too…

  184. Under March 6, 2021 at 7:39 pm - Reply

    There is a reason there are a lot of comments here, this is important

  185. Aaron March 6, 2021 at 7:53 pm - Reply

    Why go through all the hassle, work with one insurance agency

  186. Ryan March 7, 2021 at 12:27 pm - Reply

    There is a good advantage to working with independent insurance agents

  187. Ulga March 7, 2021 at 5:45 pm - Reply

    I’m glad Colligan is an independent agency, I already trusted you but it just helps

  188. Annie March 7, 2021 at 5:50 pm - Reply

    I think you have some good things to say

  189. Dan Darcy March 8, 2021 at 9:04 am - Reply

    Definitely a value advantage to an independent agency, though I’d hope not to have to change

  190. Ulga March 11, 2021 at 8:33 am - Reply

    I’m thankful for agencies like yours

  191. Eric March 11, 2021 at 8:39 am - Reply

    There is a big advantage when the agent doesn’t have an agenda

  192. Aaron March 11, 2021 at 8:44 am - Reply

    Makes sense, there are a lot of good insurance companies, but it makes sense

  193. Paula March 11, 2021 at 8:49 am - Reply

    I’m grateful for this insurance content

  194. Asher March 11, 2021 at 8:52 pm - Reply

    AllState has my back, thanks

  195. Ulysses March 11, 2021 at 8:57 pm - Reply

    I can appreciate these statements, but I’ve had State Farm for 30 years and no big problems

  196. Paul March 22, 2021 at 7:26 am - Reply

    Thanks for the article, I think the difference is mighty and I’d love to work with you. Moreso because I trust you

  197. Nate May 12, 2021 at 2:39 am - Reply

    Good info, I’ve been with State Farm for 32 years so it would be hard to leave them…

  198. Paige May 23, 2021 at 11:49 am - Reply

    Big time advantage with good quality insurance companies

  199. Ziam June 16, 2021 at 4:08 am - Reply

    I can’t believe people fall for State Farm, what a scam

  200. Erin A June 25, 2021 at 1:50 am - Reply

    good info, good insurance agency

  201. Nathan July 29, 2021 at 8:56 pm - Reply

    There’s clearly an advantage, it can be hard to tell sometimes though

  202. Zoe August 17, 2021 at 3:42 am - Reply

    Hello! This article is awesome, nicely written and I would like to see more posts like this.

  203. Doug F August 17, 2021 at 11:25 am - Reply

    i need to work with you, good value here

  204. Paul August 17, 2021 at 11:26 am - Reply

    sweet advantage you guys have

  205. Ryne August 27, 2021 at 4:01 pm - Reply

    Good job on this

  206. Brandy Meier September 4, 2021 at 1:08 am - Reply

    Nice article, makes sense, but I bet it’s hard to compete with State Farm too

  207. Ulgo October 15, 2021 at 7:49 pm - Reply

    Good, info, but you need good companies too

  208. Jake November 6, 2021 at 4:10 am - Reply

    Thanks for the preview of an independent agency, good idea and good reason

  209. Zane November 9, 2021 at 2:32 am - Reply

    Spot on with this write-up, I really suppose this web site wants rather more consideration. I’ll in all probability be again to read much more, thanks for that info.

  210. Larry November 20, 2021 at 4:23 pm - Reply

    Good. Short and to the point info

  211. Edward December 3, 2021 at 1:17 am - Reply

    Independent is the best, with the right agent and right carrier options

  212. Sandy December 10, 2021 at 1:28 am - Reply

    I agree, thanks for info

  213. Megan December 18, 2021 at 10:49 pm - Reply

    solid insurance blog, good work thanks jeremy

  214. Charley December 29, 2021 at 5:07 am - Reply

    Good stuff, why go with State Farm? When you have good people, good carriers, and options?!

  215. Wayne January 9, 2022 at 5:15 am - Reply

    Yes, quite an advantage in the competitive insurance marketplace

  216. Ryan January 12, 2022 at 10:24 am - Reply

    Insurance companies can be confusing… thanks

  217. Eliltendadib January 27, 2022 at 4:19 am - Reply

    Good info regarding independent agents, should maybe address pitfalls too, because I’m sure there are… like what if the agent doesn’t know what he is doing, or they have bad insurance companies…

  218. Linda February 13, 2022 at 6:39 am - Reply

    Good info, good agency… the agency, the agent, and the companies matter!

  219. Kenya February 23, 2022 at 7:08 pm - Reply

    Colligan is a great local agency

  220. Zane February 27, 2022 at 6:44 pm - Reply

    Good info. Lucky me I reach on your website by accident, I bookmarked it for insurance

  221. Nancy March 20, 2022 at 11:13 am - Reply

    Good options, good agents at Colligan

  222. Vanny March 31, 2022 at 8:38 pm - Reply

    Nice info

  223. Zany April 19, 2022 at 10:17 am - Reply

    I like what you guys are up too. Such smart work and reporting! Keep up the excellent works guys I’ve incorporated you guys to my blogroll. I think it’ll improve the value of my web site :)

  224. Orthel May 21, 2022 at 9:37 am - Reply

    Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My blog is in the very same area of interest as yours and my visitors would genuinely benefit from some of the information you present here. Please let me know if this alright with you. Appreciate it!

  225. Jessie May 27, 2022 at 11:02 pm - Reply

    This is an excellent article, and one insurance buyers should read

  226. Ed June 12, 2022 at 12:28 pm - Reply

    A good independent with good options is the best way to do this

  227. Jack P January 12, 2023 at 9:29 pm - Reply

    It’s really important…single source trusted independent insurance agency is the place to be

  228. Nick Upman January 19, 2023 at 5:06 pm - Reply

    Thanks for sharing, this is a fantastic blog post.Really thank you! Much obliged.

  229. Ben January 25, 2023 at 1:05 am - Reply

    Great amazing issues here. I’m very happy to look your post and mostly agree. Thank you a lot and i am having a look forward to contact you.

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