A D. Ward Insurance, we are committed to building long-lasting relationships by providing more carriers for more choices and this is the #1 reason why customers choose D. Ward Insurance Agency.

 D. Ward Insurance Agency vs. Captive Agents

Here are reasons why you would rather choose D. Ward Independent Insurance Agency instead of an agent that only works with one carrier like State Farm, Allstate, Geico or Farmer's just to name a few. These type of agents are known as "Captive Agents" and captive agents cannot offer what other insurance carriers have. Captive agents have only one company, limiting their coverage options and price comparisons. Simply put, State Farm, Allstate, Geico, Farmer's and other captive agents work for their employer - the insurance company. Whereas, D. Ward Independent Insurance Agency works for "You" with policy selections from many different major top-rated insurance carriers. We do this for price comparison and coverage options, allowing you to choose your insurance plan that best suits your needs and budget.

Another reason to place your trust in D. Ward Insurance instead of captive agents would be our help with unforeseen claims. Captive agents underwrite based on claims and without other insurance carriers for them to work with, they cannot assist you with replacement policies when unfortunate claims happen. Simply put, State Farm, Allstate, Geico, Farmer's and other captive agents leave the search for replacement coverage up to you, but with D. Ward being an independent insurance agency, we move our customers to another one of our many top-rated carriers within our agency. This allows us to always be there when our customers need us most.

Some of our carriers that we underwrite to price compare and coverage shop are Hartford, Auto Owners, Utica National, Progressive, Haulers, Mercury, American Strategic, US Assure, American Modern, Hagerty, Safeco, CNA Surety, Foremost, and more. Our insurance carrier are all "A" rated and many have been established for more than one hundred years!

At D. Ward Insurance, we are committed to building long-lasting relationships by providing more carriers for more choices and this is the #1 reason why customers choose D. Ward Insurance Agency instead of a captive agent.