Shopping for home and auto insurance is much easier and provides better results when you work with an independent insurance agency using a comparative rating system such as the one used by Buttrey Wulff Mamminga Insurance in Batavia. Comparative raters allow an independent insurance agency to quote your insurance coverage with all of the insurance carriers that the agency represents at one time. This enables the agency to compare apples to apples coverage with all of their carriers so that you can see which carrier provides the best rates for you.
Remember, every insurance company underwrites each person, home and car differently and rates change all the time so to make sure you are receiving the best rates you need to compare the same amount of insurance coverage with multiple carriers. If your rates change dramatically our agency can easily re-submit your rates in our rating system to see which carriers are providing the best rates for you at the time.
Captive insurance agencies, which are insurance agencies that only represent one insurance company do not have the ability to quote your insurance with more than one insurance company. So if your rates go up with let’s say, State Farm for example your agent is very limited in their ability to get you a better rate (usually by decreasing coverage or increasing deductibles) whereas an independent agent using a comparative rater can easily re-run your rates at your request and provide you with many options.