Captive vs. Independent Insurance Agent – Who can provide you with the best value?

Narrow vs. Wide Choice

Unlike captive insurance agents who work for one insurance company and are limited only to that company’s policies, as independent insurance agents, we work with multiple carriers and have access to various different insurance policies we can offer based on your specific needs.

Limited Value vs. The Best Value

While trying to find the best coverage to meet your specific needs, a captive insurance agent has fewer options available. On the other hand, an independent insurance agent can compare dozens of different policies from multiple carriers. That’s why we have a higher chance of finding you the best policy for your money.

Biased vs. Unbiased

As independent agents, we don’t have exclusive relationships with individual insurance carriers. We can offer you unbiased guidance on a wide variety of products, coverage, and prices from multiple carriers without any preference for one company over another. This freedom also allows us to find plans better suited to the needs of our customers.

If you want to be sure that you'll get the insurance that meets your specific needs and has the best coverage for your money, contact us.

Schedule a call

(440) 826-3676

We work with dozens of insurance carriers to make sure you get the right coverage at the best price so you don't ever have to worry about paying too much for insurance.

The Allen Thomas Group is a local independent insurance agent. We are known for our concierge level of service and commitment to our clients

Daniel W.

Joe and his wonderful team have been my agents for about 5 years now for my personal and business. I haven’t even considered moving companies because when I need something, it is done and I don’t need to worry.

I’ve used a lot of vendors and agents and you won’t find better service and advice anywhere.

Brian F

I placed a call into ATG and expressed my concern with my current insurance company. Joe and his team answered all my questions and were quick to get me an insurance quote. Not only did they save me some money, they were able to provide me with more services and more coverage. It was such a smooth transition to switch insurance companies I could not believe it. Highly recommend them!!!!

Areta K

I am so pleased to finally find a knowledgeable, responsive insurance agency, that places a high emphasis on customer service. My experience with The Allen Thomas Group has been incredible and like non other. I highly recommend Megan. They are truly invested in helping the customer. They make my life easier. Five stars!!

Lori S

The Allen Thomas Group handles our insurance needs. They are professional and very responsive in all communications. We appreciate the knowledge they bring for our personal and business insurance . In addition, they make sure to answer all our questions with explanations that are clear and helpful.

Milan D

I have been a client of ATG for over 10 years, they are highly professional and responsive in addressing their customer’s needs and provide Pro-active advice on an on-going basis. I would recommend ATG to anyone looking for any type of insurance; personal or professional.

Jason S

After years of dealing with the insurance companies directly my entire life, I decided to approach ATG to see if they could save me money. Not only were the able to do that, ATG provides first class customer service and always impresses me with efficiency, patience, and understanding. I have been doing business with them for over 5 years, and expect to do so for many more to come!

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(440) 826-3676