Why Not an Agency

They still operate on sales goals
Agencies must hit monthly production numbers, just like call centers.
Targets influence decisions far more than people realize.

Commission and carrier loyalty
Most agencies are contracted primarily with one carrier.
If that carrier gives a quote that is even slightly better than your current premium, the search often stops.
You may never see whether one of their secondary carriers could have saved you far more.

Limited real shopping
Many agencies can quote multiple carriers.
But here’s the truth from inside the industry:
They only bridge to the other markets if the main carrier loses the sale.
If the primary carrier beats your current price “good enough,” the other five carriers never get checked.

Internal contests and incentives
Agencies frequently run in-office sales contests such as:
• next bundle sold
• most premium today
• highest cross-sell rate
• push this week’s “campaign product”

These contests shape behavior — even subconsciously — and they encourage upsells and unnecessary products.

Your premium must support their overhead
You pay for their brick-and-mortar location, payroll, bonuses, and commissions.
This increases the cost you pay for coverage.

Their first loyalty is to the office
Even with good intentions, an agency must protect its own business metrics, its book of business, and its carrier relationships.
That will always influence the outcome.