Independent Insurance Agents & Brokers: Fill & Download for Free

EverQuote .com is not a car insurance company at all.They are a lead generating firm that sells your information to Direct Writing Insurance Companies, Exclusive or Captive Agency Companies and Independent Insurance Agents.You would be better served by contacting a local Independent Insurance Agent to quote your auto insurance than to provide your information to a lead generation firm such as EverQuote.Thanks for the A2A

I am a Independent Insurance Agent. I sold health insurance before the ACA and in the last 4 years. For the most part most of my clients get a subsidy. Roughly 80% a large portion of these earn too much for Medicaid even if it had been extended in Florida. Which it has not. They do not earn enough to buy insurance. Not 5 years ago or today. The fact is that the ACA is not perfect but plugs more holes than it makes. It will cost a fortune to get rid of it. Health insurance will cost more without it. I have heard republicans complain about it was one sided and there was no republican votes. That it was unconstitutional the way it was rammed down people's throats…… I think you are going to see the same thing again. Any replacement will cost more and will be less comprehensive. It Will cover less people. However Republicans will be happy because they have been able to rally and why would they care. They have the very best Cadillac plans available courtesy of the Federal Heath Plan. What shocks me is that there will be millions of Republican voters that will be far worse off. But that's ok they will say it's the fault of Obamacare like they have for the last 6 years.

An Independent Insurance Agent or Agency is one that represents multiple insurance companies.Sometimes called a “Broker”, an Independent Insurance Agent represents the customer. Contrasted with an Exclusive, Captive or Direct Writing agent/company, who represents just one company.The number of companies an Independent Insurance Agent/Agency represents will differ depending on the business model of the agency, field of specialty or generalization. The number of companies may be as few as 5 or more than 50.The relationship that an Independent Insurance Agent/Agency has with the companies they represent may one which is a “direct appointment” or the agent may have indirect relationships with a Wholesale Brokerage firm or Managing General Agency. A Wholesale Brokerage or Managing General Agency provides access to numerous carriers who may have special niche insurance programs.An Independent Property and Casualty Agent would be licensed to write the following major lines of insurance:Auto InsuranceHome InsuranceCommercial (Business) InsuranceBondsThe defining characteristic is the ability of an Independent Insurance Agent to write policies with multiple insurance companies allowing placement of insurance that best fits the customer, rather than being restricted to one company's offering.See this post for more information on the Benefits of an Independent Insurance Agent/Agency.