Why use an Independent Insurance Agency? What’s the Difference?

There are 3 ways to buy insurance.  How do you decide which way to go?  One way is online or through an 800 number from one of the big companies.  A second way is through an exclusive agent, one that represents just one company.  The 3rd way is through an Independent Insurance agency,  like Elliot Whittier Insurance of Danvers and Winthrop Massachusetts.  

“I’ve been with Elliot Whittier since my inception in business since 1981 and can confirm that they have met all my needs both professionally and personally. They continue to excel in all they do and don’t rest on their laurels. Recently my rep from Elliot Whittier called unexpectedly  to inform me she could save me money on one of my policies and get me better coverage if I wanted to switch insurance carriers. I was more than pleasantly surprised with the unexpected  news and savings and instructed her to make the switch asap. I couldn’t be more pleased with the way they initiated this and how they handle all my other personal and business insurance needs. They once again have gone above and beyond that which is typical of most other agencies.”

Bob Inello, Nahant, MA Inello Electric, Revere Ma
Electrical Contractor Insurance in Massachusetts Testimonial from Inello Electric and Bob Inello

"Aubriel did a terrific job addressing my concerns about the high Coverage A / Dwelling Value on my Homeowners renewal and resolved the issue by correcting the value to a more appropriate level that is a fair value for my home and fair to the company as well.

As a CPCU with many years of experience in the P&C insurance industry at the company level, I have high expectations for the handling of my personal insurance - and I was impressed with the way Aubriel worked with me to resolve the coverage issues and how she communicated throughout the process."

D.R. Beverly, MA
Massachusetts home insurance Home Icon on Multicolor Puzzle. Hubspot stock image

“Let's first start about this insurance company (Elliot Whittier)  The very first quote I got was an auto insurance renewal that was way cheaper than a long time agent and after my home owners policy was up for renewal we saved another $455... a big shout out to my agents at Elliot Whittier who worked hard in getting the best policy and keeping me informed..."

Frank Lanza Winthrop, MA
Frank Lanza provides a testimonial for home insurance and car insurance in Winthrop Massachusetts

"Elliot Whittier has handled my condo insurance for about ten years now and they couldn't have done a better job.  Cheerful, co-operative employees with a minimum of fuss with every call.  Do yourself a favor and call Elliot Whittier.  They're the best you'll ever find."

Ed B. Winthrop, MA
Apartment & Condominium Building Insurance in Massachusetts

“I’m very satisfied with Andrew and everyone at Elliot Whittier.  They do a great job handling all my insurance matters with incredible customer service, not to mention saving me over $2000 last year.”

Nick D. East Boston, MA
Insurance - Business Background. Blue Arrow with Insurance Word on a Grey Background.

"Our claim was settled fairly and honestly.  You guys have been great.  We are very satisfied with all of the dealings with your firm.  Connie, Amy, and Wayne have all been especially great.  Should you ever need a reference, please feel free to give my information."

Ken Miller Framingham Salvage, Framingham, MA
Insurance for scrap metal dealers testimonial from Framingham-Salvage-scrap-metal-service-tradesmen

“Recently here at Woodside Hardware we experienced our first workers comp claim ever.  We are happy to say that our employee was not seriously injured and was able to return to work after a few weeks.  However initially we were expecting a huge headache, along with a lot of time and paperwork.   In fact we were pleasantly surprised at how smoothly and effortlessly everything went.   Steve Roy set our mind at ease from the get-go that everything would be taken care of and that is exactly what happened.   Thanks Elliot Whittier Insurance!” 

Paul Leavy Woodside Ace Hardware, Winthrop, MA
Testimonial from Hardware store client and a workers comp claim Massachusetts  Employees Concept. Word on Folder Register of Card Index. Selective Focus.

“We were doubtful any money could be saved on our auto insurance, having been with the same company for decades. Elliot Whittier had access to multiple discounts we weren’t previously getting, resulting in a substantial savings of approximately $1300 per year on my home & car together. Not only that, they were able to increase our liability limits at the same time. With teenage drivers and a house to worry about, we’re extremely pleased.”

Ralph & MaryAlice M. Winthrop, MA
Testimonial for home and car insurance in Massachusetts Peace of Mind wooden sign on a beautiful day

"My experience with Elliot Whittier was exceptional.  When the opportunity presented itself as the result of my long standing Agent retiring, it was a good moment to have someone else take a fresh look at my portfolio through a different set of eyes.  In particular was property that I owned on the Cape that had been locked into the MA Fair Plan which had seen steep premium increases over the last several years despite no loss whatsoever.  The ability to have this agency look at the big picture across home and auto provided not only a cost savings opportunity but the ability to improve coverage and deductibles on a wide array of fronts.  The Agent I was assigned was in lock step with me all along the way and with my busy schedule was able to provide a high level of electronic communication which when flipping a number of policies was extremely helpful.  She also understood some of the unique attributes of my property and ran a detail analysis that gained my confidence quickly.  Despite a more long distance relationship (not in my town) I felt every aspect of this personalized service and easily made the decision to transition all of my insurance needs to the EW agency."

Greg Gotta Northbridge & Orleans, MA
My Story -  Button on Modern Computer Keyboard.