A captive agent — Geico, Progressive direct, State Farm, Allstate — sells one company's policy. If their rate isn't competitive at your renewal, too bad. They can't quote you anywhere else.
WKI represents 15+ home/auto carriers — Travelers, Allstate, Liberty Mutual, Hochheim Prairie, Germania, National General, Progressive, GEICO, Dairyland, Foremost, Bristol West, Homeowners of America, SageSure, Stillwater, Tower Stone, and Hagerty for classic and collector autos. When your renewal comes up, we'd be happy to shop it across all 15+. Your loyalty isn't punished.
Why an independent agency
The honest math: rates change every year. Carriers expand and contract their appetite for certain risks. The carrier that wins your business this year may not be the right one the year after. An independent agent lets you switch without re-pricing the entire household from scratch.
What you should know before quoting
Three things that change a quote more than people expect:
- Annual mileage. If the daily commute crosses county lines, the underwriter prices it differently. Be honest about it — under-reporting can void a claim.
- Credit-based insurance score. Texas allows it as a rating factor. A score in the 700s vs the 600s can be hundreds of dollars per year on the same risk.
- Prior coverage. A lapse of even a few weeks pushes you into "non-standard" pricing. Don't let a policy lapse before quoting — keep current coverage in force until the new one binds.
See also: Home insurance · Umbrella & specialty · Claims guidance