There are two main types of insurance agencies: captive and independent. Knowing the difference can save you money.

A captive agent represents one insurance carrier. When that carrier raises their rates, your rates go up. Since a captive agent offers products from only one company, your only recourse is to choose another agency that can offer an alternative. With a captive agent, you will always have one, and only one option.

An independent agent works with multiple insurance carriers. Should rates increase with one company, your independent agent compares your existing policy with those offered by the other carriers. In essence, your independent agent shops for the best rates with carriers who offer coverage that provides protection for your specific risks. With an independent agent, you have multiple choices.

Arnoldussen & Associates offers insurance protection from many of the nation’s leading insurance carriers. These are insurance companies who have a history of financial stability and superior claims service.

Our many insurance carriers include:

• Mercury
• Safeco
• Progressive
• Viking
• Commerce West
• McGraw (Pacific Specialty)

…And many others