The Difference Nobody Tells You About
When you call Geico, State Farm, or Allstate directly, you get one quote from one company. That company's sales agent is paid to sell you their product — not to find you the best deal in the market.
An independent insurance agent works differently. We're not tied to any single carrier. We represent you, not the insurance company. And we compare rates from dozens of top-rated carriers in minutes.
That single difference can mean hundreds of dollars a year.
What an Independent Agent Actually Does
An independent agent like Devil Insurance acts as your personal shopper for insurance. Here's what that looks like in practice:
We shop the market for you. Instead of calling 10 different companies and answering the same questions 10 times, you answer them once. We do the rest.
We compare coverage side by side. Price isn't everything. Some policies have gaps, high deductibles, or exclusions buried in the fine print. We read that stuff so you don't have to.
We give you real recommendations. Our job is to match you with the policy that fits your situation — not to upsell you on coverage you don't need.
We're your advocate when you have a claim. If you have a claim and the insurance company is giving you the runaround, we know who to call and what to say. You're not alone.
The Numbers Make the Case
Here's a real scenario. A family in Phoenix comes to us with their existing home and auto policies — both with the same carrier they've had for years. We run the market.
- Home insurance: saved $340/year by switching to a different carrier with identical coverage
- Auto insurance: saved $180/year after finding a carrier that rated their vehicles more favorably
- Bundle discount: additional $220/year for having both policies with the same new carrier
Total savings: $740/year. Same coverage. Better price. Took 20 minutes.
That's what shopping the market looks like.
Common Myths About Independent Agents
"You'll charge me a fee."
No. We're compensated by the insurance companies, not by you. Our quotes are 100% free, and there's no obligation to buy.
"I'll get a better deal going direct."
Sometimes a direct carrier runs a promotion that's hard to beat. When that happens, we'll tell you. But in the majority of cases, having multiple carriers compete for your business wins.
"It's more complicated."
It's actually simpler. One point of contact for all your policies. One call when you have a question. One advocate who knows your whole picture.
When Does Going Direct Make Sense?
We'll be honest: going direct can make sense if you have one simple policy, you're happy with your current rate, and you've never compared it to the market.
But if you haven't shopped your insurance in the last 2 years, you're probably leaving money on the table. Carriers adjust their rates constantly, and the company that was cheapest two years ago might not be today.
How to Get Started
Getting a quote from Devil Insurance takes about 15 minutes. We'll ask about your home, your vehicles, your coverage needs, and your current policies. Then we come back with options.
No pressure. No obligation. Just better options.
Call us at 844-967-5247 or use the quote form to get started. The devil's in the details — and so are we.