An independent insurance agency works with multiple insurance carriers. This allows us to compare coverage and pricing to find the best policy for your needs, not just one company's option.

A captive agent represents only one insurance company. An independent agent like Ruth Martin Insurance represents several carriers, giving you more choices and competitive pricing. This flexibility is especially important, as according to Agent Methods, there are 927,600 licensed agencies and brokers working in the US. With so many options, relying on an independent insurance agency is the smartest bet.

No. Our services are typically paid for by the insurance carrier, so you get the expert guidance and policy comparison of an independent insurance agency at no additional cost.

As one of the top insurance agencies in your area, we offer a variety of personal and commercial insurance, including:

• Auto
• Home
• Renters
• Life
• Health
• Business
• Liability
• Specialty coverage

Our insurance agency assesses your risks, budget, coverage needs, and future goals. Then, we compare policies from multiple carriers to recommend the best fit.

Yes. In our experience as a qualified insurance agency, bundling policies like home and auto often leads to discounts and simplified management.

The rates offered by our independent insurance agency can be influenced by coverage limits, deductibles, claims history, credit history, location, and risk exposure.

Our insurance agency will assist you through the claims process, from reporting the claim to communicating with the carrier, ensuring you have support every step of the way.