Bill Bridges, president of Duncan Fraser & Bridges Insurance Agency
The independent agency system is definitely changing, but we are changing for the better. Today, we are bringing more value to our clients in the form of risk management, safety training and expertise in coverages and forms. There is a basic cost of insurance protection and if the public is buying it for less, then they are getting less. Good insurance agents today are professionally educated. Most people would not shop around for the cheapest surgical or legal advice, so don't put your assets and capital at risk by buying the cheapest insurance. That will cost more in the long run.