There are two kinds of insurance agents in the U.S., and most people don't know the difference until they shop their policy.
Captive agents
A captive agent works for one carrier — State Farm, Allstate, Farmers, etc. They can only sell that company's products. If their carrier raises your rates 20% at renewal, the best they can do is shop within that one carrier's discounts.
Independent agents
An independent agency, like Borgman Agency, contracts with multiple carriers. We shop your profile across all of them and present the best fit. When your renewal comes up, we re-shop automatically — and if a different carrier is suddenly a better fit, we move you there.
Why this matters at renewal
Insurance pricing isn't static. Carriers tighten and loosen underwriting in different regions and for different risk profiles every quarter. A carrier that was your cheapest option last year might be 30% more expensive this year — for reasons that have nothing to do with you.
A captive agent can't help you with that. An independent agent can.
The Borgman Agency difference
We work with many top carriers — Progressive, Travelers, Liberty Mutual, Auto-Owners, Nationwide, Allstate, Hagerty, Mutual of Enumclaw, The Hartford, Stillwater, National General, and more. No quotas. No "preferred" carrier we have to push. Just honest advice from people who treat every client like a neighbor.
If you haven't shopped your policy in over a year, get a free quote. Worst case, you confirm you're already in the right place. Best case, you save real money.