There are many ways to purchase your personal and business insurance. One way is to go online and try to figure out what kind of insurance you need, then hope you made the right choice. Secondly, you can use a captive agent who only has the ability to use one insurer. Lastly, you can go to an independent agent like us and let us search the market for the best possible combination of coverage, price, and service.Let’s look at the pros and cons of each of these insurance buying options. We hope that after you read this, you will be able to make an informed decision regarding your personal and business insurance.
It is important to understand that not all insurance policies or agents are the same. Personal insurance and business insurance can be design to fit your individual needs. All insurance policies have exclusions, and these can affect your claims. Insurance agents have different skill sets and offer different kinds of services. Keep these things in mind as you read through this article.
Online insurance is a process where you secure your personal insurance through an insurer’s website without the help of anyone. You must navigate through the information and try to make the decision as to what kind of insurance you need.
A captive agent is one who is employed by an insurance company. These kinds of agents represent companies like State Farm, All-State, and Farmers. A captive agent is an insurance agent who only works for one insurance company. The insurance company pays a captive agent, and he or she may be a full-time employee or an independent contractor.
An independent agent is someone who owns or operates a small local business. They have relationships with many different insurance companies but do not work for them. This allows the independent agent to work for the policyholder. Independent agents live and work in the community and support many local charities and causes.
As an independent insurance agency, we are very knowledgeable about the companies in the marketplace. We know which companies have the best record of accomplishment when it comes to pleasing their policyholders. We can narrow your options down and help you choose between the best insurance companies in the market.
Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
CA License Number 0646081 | Licensed to do business in California, Arizona, Hawaii, Idaho, Montana, Nevada, North Carolina, Oklahoma, Oregon, Virginia, West Virginia and Washington.
3187 Collins Drive
Merced, CA 95348
Phone: (209) 384-0727
Toll Free: (800) 221-0864
Fax: (209) 384-0401