Badger Insurance Advisors is a Trusted Choice Insurance Agency, which means we are independent and are not confined to one specific insurance company. This matters because we work for you, not the insurance company! Risk is everywhere, let us help you protect your valuables: auto, home, or life insurance…whatever matters to you!
5916 N Lisbon St, Aurora, CO 80019
(8:00am - 6pm MST, Monday - Friday)
BY: KEVIN VOLZ | INSURANCE AGENCY PRINCIPAL
When it comes to buying insurance, you have a few options. You can go through an independent agent, a captive agent, or directly through the insurance company.
At first glance, it may seem like working directly with the insurance company is the best option. After all, why pay someone else to do something you can easily do yourself?
However, there are a few reasons why working with an independent insurance agent in Colorado is the best option for most people.
Before diving in, let's first debunk common myths about independent insurance agents.
This is not true. In many cases, independent insurance agents can help you save money on your insurance premiums.
How is this possible?
Independent insurance agents have access to multiple insurance companies. This means they can compare rates and coverage options to find the best policy for you at the most affordable price.
On the other hand, Captive agents can only offer you policies from the insurance company they represent. This severely limits your options and makes it hard to get the best deal.
Again, this is not true.
Independent insurance agents must undergo rigorous training to earn their
licenses. They are required to stay up-to-date on the latest industry trends and developments. And they must continuously complete continuing education courses.
In some cases, you can actually get a better deal by going directly to the insurance company.
However, this is not always the case. And it's certainly not worth the hassle of dealing with the insurance company yourself when you have the option of working with an independent insurance agent.
Independent insurance agents will do the legwork for you. They'll compare rates and coverage options from multiple insurance companies to find the best deal. And they'll handle all the insurance paperwork for you.
Working with an independent insurance agent is actually much easier than working with an insurance company.
When you work with an independent insurance agent, you have someone to guide you through the process. They'll answer your questions and help you choose the best policy for your needs.
And if you have any problems with your policy, they'll be there to help you resolve them.
Now that we've debunked some common myths about independent insurance agents, let's take a look at some of the benefits of working with one.
As we mentioned before, working with an independent insurance agent can save you time and money.
Independent insurance agents have access to multiple insurance companies. This means they can compare rates and coverage options to find the best policy for you at the most affordable price.
The phrase "customized insurance coverage" is often thrown around without much explanation. But what does it mean?
Customized coverage means that your policy is specifically tailored to meet your needs. It's not a one-size-fits-all approach.
Here's a scenario to illustrate what we mean:
You own a home and a car. You have two kids and a dog. You also have a few expensive items, such as jewelry and art.
An independent insurance agent would work with you to merge different policies from different companies to create a custom policy that covers your home, car, belongings, and anything else you need.
And because you're only paying for the coverage you need, your premiums will be lower.
When you work with an independent insurance agent, you benefit from working with a real, live person.
You can ask them questions and get advice. You can even build a relationship with them over time.
On the other hand, Captive agents are often nothing more than a voice on the phone. And if you have a problem with your policy, good luck getting it resolved.
No one likes to think about being in an accident. But if it ever happens, you'll be glad you have an independent insurance agent on your side.
Independent insurance agents will help you through the claims process. They'll make sure you get the coverage you're entitled to. And if you have any problems, they'll be there to help you resolve them.
Captive agents, on the other hand, work for the insurance company. So, if you have a problem with your claim, you're probably on your own.
Your independent insurance agent is likely a member of your community. They might even live in your neighborhood.
This gives them a unique understanding of the Colorado insurance market and allows them to serve your needs better.

For example, let's say you're a business owner needing commercial insurance. A captive agent might not fully understand the risks associated with your business. But an independent agent who lives and works in your community will better understand the local market and the specific risks you face.
Independent agents are not beholden to any one insurance company. This means they can compare quotes from multiple companies to find the best policy for you at the most affordable price.
If something happens to your agent, you're not out of luck. Another independent agent can take over your policy and pick up where your previous agent left off.
If you're unhappy with your insurance company, you can switch to another one without finding a new agent. Simply contact your independent agent, and they'll help you find a new company that better meets your needs.
Now that you know the benefits of working with an independent insurance agent, it's time to meet one.
We are Colorado's leading independent insurance agency. We work with over 50 different insurance companies and we'll create a custom policy that meets your specific needs.
Get in touch with an
independent insurance agent in Colorado
today to get started. We look forward to serving you.
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