What Is An Independent Insurance Agency?

What is an Independent Insurance Agency?

An independent insurance agency is not tied to one insurance company as it is the case with a captive agent. Being independent give us the option to quote you with multiple insurance companies to find the lowest insurance rates and coverage that you want.

Insurance rates are different for everybody because so many factors are considered in insurance rates, so not everyone falls into the same mold.

While some drivers have a good driving record and continuous insurance, other drivers may have some tickets or accidents on their record or have been without insurance for a while which can make the insurance premium higher.

Bargain Insurance Connection has access to many insurance companies that can accommodate any customer, even if you license is suspended, with affordable insurance rates.

I have only a permit, can you insure me?

Yes, we sure can. Regardless if you are a teenager and got your permit for the first time or you just decided to get your license, we can insure you. You must follow the state law regarding permit drivers. Once you have obtained your drivers license, we can just update your policy to a regular driver.

Why do insurance companies ask about household residents?

If you have additional people living in your household, they have access to your vehicle and could be driving your car even just to borrow it for one day and insurance companies are asking you to disclose those residents.

Unlike some other states, in Missouri you can elect to exclude some or all your household residents. We understand that in some circumstances you don’t want your roommates or family members being listed on your insurance policy as drivers, potentially raising your insurance premium, so with this option you can exclude them from your policy.

In Kansas, you cannot exclude your household residents, instead if the have their own insurance, you can just declare them as residents, but other insurance. Our agents at Bargain Insurance Connection can best explain you the details or any other questions you may have.

Bargain Insurance Connection has been a staple in Kansas City when it comes to affordable insurance prices. We offer everything from auto insurance, SR22 insurance to Home and Renters Insurance. To get a quote just call us at 816.453.7722 or fill out our online form.