Why an Independent Insurance Agent Makes All the Difference

When most people think about buying insurance, they think about calling a single company and getting a quote. But there is a better way, and it starts with understanding the difference between a captive agent and an independent agent. At Quirk Insurance, we are proudly independent, and here is why that matters for you.

Captive vs. Independent: What Is the Difference?

A captive agent works for one insurance company and can only sell that company's products. If their company's rates go up or their coverage does not fit your needs, they cannot offer you an alternative. An independent agent like Quirk Insurance works with multiple insurance carriers and can shop the market on your behalf. We represent over a dozen top-rated carriers, giving you access to a wide range of coverage options and price points.

We Shop So You Do Not Have To

When you call Quirk Insurance for a quote, we do not just give you one price. We compare rates and coverage from multiple carriers to find the best combination for your specific situation. This means you get competitive pricing without spending hours calling different companies, coverage tailored to your actual needs, options you might never have found on your own, and ongoing support when rates change or your needs evolve.

We Work for You, Not the Insurance Company

This is the most important distinction. A captive agent's loyalty is ultimately to their company. An independent agent's loyalty is to you, the client. When you have a claim, we advocate on your behalf. When renewal time comes and rates increase, we can shop other carriers to find you a better deal. Our success depends on keeping you happy, not meeting a single company's sales quota.

Local Expertise That Matters

Quirk Insurance has been serving the greater Bangor area for years. Our agents understand Maine-specific risks like ice dams, frozen pipes, coastal flooding, and the unique challenges of living in a rural state. We know which carriers perform best in Maine, which ones handle claims efficiently, and which ones offer the best value for Maine residents and businesses. That local knowledge is something you will never get from an online quote engine.

Our Team Is Here for You

With nine experienced agents specializing in personal, commercial, and health and life insurance, Quirk Insurance has someone who understands your exact needs. From Bob Quirk, who co-founded the Quirk Auto Group, to specialists like Cyndi Rollins with over 25 years of commercial experience and Brian Worcester who has been in the insurance industry since 1995, our team has the depth and expertise to handle anything.

Experience the Quirk Difference

Ready to see what an independent agent can do for you? Whether you need auto, home, business, health, or life insurance, we will compare your options, explain them in plain English, and help you make the best choice for your family or business. Call Quirk Insurance at (207) 299-1800 or stop by our office at 377 Hogan Road in Bangor. We are open Monday through Friday, 8 AM to 5 PM, and we look forward to earning your trust.