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Robert DiCristofaro
- Apr 16, 2018
- 2 min
One Hit Wonders! A Gilded Cage is still a Cage.
Why you should think about ditching your Captive Agent and start working with a Independent Insurance Agent or Broker. What is a Captive Agent? A Captive Agent is an agent that has contracted with only one company like [insert corporate name here], and can not work with any other Insurance Company in the industry. They are easy to recognize because they have their captor's logo all over their walls, pamphlets, and on the sign over their door. Captive Agents typically only hav
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Robert DiCristofaro
- Mar 30, 2018
- 2 min
Surprise! State Minimum Coverages Can Cost You More $$$$.
When I was in college, like many, I was on a tight budget. When it came to insurance I told my agent that I wanted the cheapest car insurance I could get. They then asked me what coverage levels I wanted. I confidently replied "the State Minimum"; thinking that this was surely the cheapest option! It took me years and thousands of dollars to realize how wrong I was. I don't know why my agent asked me what coverage I wanted, after I asked for the cheapest option, but I have a
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