Big Insurance Companies vs. Independent Insurance Agencies

Big Insurance Companies vs. Independent Insurance Agencies

CCW-monikerWhen it comes to choosing an insurance company, things can get a little bit overwhelming. Not only are there lots
of insurance companies to choose from, including the larger insurance companies that regularly advertise on TV, but there are literally hundreds of different policies to decide between as well. There are different combinations of coverages and deductibles which account for the variations in premiums.

Instead of attempting to make the best choice for you and your family using limited information, you should visit an independent insurance agent.


There are two types of insurance agents:

What’s known as a captive agent is an insurance agent that works directly for a specific insurance company. However, independent agents, like our team here at Connelly-Campion-Wright Insurance, have no association to one specific company.  Our trained account managers and producers have the heart of a teacher. Our goal is to educate you and help you make informed decisions. Not just sell a policy as quickly as possible.

  • Captive Agents
    A captive agent will be able to help you choose a policy only from the one large carrier they work for. And you will be limited toonly what that one company offers.


  • Independent Agents
    Independent agents, have no loyalties except to our customers, meaning we represent more than one company at the same time. Not only can we help find the right policy for you, we can help you compare and contrast similar policies offered by different insurance companies.

Many customers may mistakenly think that a captive agent will be cheaper, since that agent has a direct connection with a national insurance company. This, however, is not true.

As independent insurance agents, we can find you policies from differing companies, whether national or local, with cheaper premiums to choose from all while being tailored to your specific needs.

You deserve more than just 15 minutes. If you're looking for a New Jersey independent insurance agency, you've come to the right place. Contact CCW Insurance today at 732.280.2800, or at


Watch here to see why you need to DECLARE YOUR INDEPENDENCE