Our promise: we’ll always guide you toward what’s best for you, even if that means someone else is a better fit right now.
At Holt Insurance Agency, we believe doing what’s right matters more than doing what’s easy. Our job isn’t just to sell a policy, it’s to help you protect what’s important in the best way possible. Sometimes that means another company can serve your needs better today. That’s not rejection; it’s direction.
Below, you’ll find three common situations where working directly with a carrier may be the smarter path. We’ll explain why, share what to look for, and help you take confident next steps.
Monoline Auto or Renters
High-Risk/Non-Standard
Lowest Price Shoppers
Auto or Renters Insurance Only (Monoline)
When this fits you: You’re looking for just car or just renters insurance, something quick and straightforward.
Why another company may serve you better right now:
Our agency is built to help families design complete protection by combining home, auto, and umbrella policies under one roof. That’s where we can make the biggest difference in price, service, and long-term planning. If you only need one policy today, you’ll likely get a faster quote and a lower price by going directly to a carrier that focuses on single-line coverage.
Trusted carriers to explore:
Progressive Direct — Great for stand-alone auto coverage.
Lemonade — Simple, digital renters insurance.
GEICO — Easy to quote and manage online.
What to know:
Keep your coverage active. Staying insured (even with a small policy) helps build history and unlock better options later.
Understand your limits. Cheaper doesn’t always mean worse — just make sure you’re comparing equal coverage levels.
Your needs will evolve. When you buy a home or expand your household, that’s when we can step in and design a broader plan that gives you lasting value.
If this is where you are right now, you’re doing the right thing by getting coverage in place. When you’re ready to look at your protection as a whole, we’ll be here to help you take that next step.
High-Risk or Non-Standard Home or Auto Insurance
When this fits you: You’ve had challenges like claims, coverage gaps, older home systems, or driving history issues that make it harder to find affordable coverage.
Why another company may serve you better right now:
Every insurance company has a “comfort zone.” Ours partners with carriers that serve standard and preferred risks — which simply means stable insurance history and fewer past claims. If you’re in a rebuilding season, there are companies that focus specifically on helping people get back on track quickly and affordably. We’d rather see you matched with someone who can meet you where you are — instead of trying to fit you into a plan that might cost more or offer less than you deserve.
Trusted carriers to explore:
The General, Dairyland, or Bristol West — for auto insurance.
Farmers or State Fair Plan programs — for homes that need updates or have prior claims.
Progressive (Direct) — often a good in-between for drivers improving their record.
What to know:
Improvement is always possible. Safe driving, staying continuously insured, and completing home updates can open new doors within 1–3 years.
Honesty helps. Disclosing past claims or damage allows the right company to help you instead of surprising you later.
Every policy counts. Even a temporary or limited policy builds history that benefits you long-term.
Needing a non-standard policy doesn’t say anything negative about you, it’s simply a stage. We’ve seen countless people improve their record, repair their home, and come back ready for broader coverage. When that time comes, we’ll be here to help you graduate back into the standard market.
Lowest Price Shoppers
When this fits you: You’re focused on finding the lowest possible price — even if that means adjusting coverage or raising deductibles.
Why another company may serve you better right now:
Some insurance companies are built specifically for fast quotes and flexible online pricing. Our agency takes a different approach: we build protection plans designed to safeguard your assets and minimize surprises when something goes wrong. If your top priority today is short-term savings, direct carriers can deliver that faster and cheaper, without compromising your time.
Trusted carriers to explore:
What to know:
Price and protection aren’t the same. Low monthly payments are appealing, but coverage gaps can be expensive later.
You can blend both. When you’re ready, we’ll help you find the balance between affordability and strong protection.
Review often. Circumstances change — your price-focused plan today can easily evolve into a stronger one later.
You’re being smart by shopping and asking questions. The goal isn’t to spend more — it’s to spend wisely. When you’re ready for a plan that looks at your full picture, not just your price, we’d love to help.
Always On Your Side
Even when we’re not the right fit today, we want you to feel supported, informed, and confident in your next steps. Insurance should never feel like guesswork. Whether you’re starting small, rebuilding, or comparing options, we’re here to guide you, with honesty, respect, and your best interest at heart.
“Doing the right thing for people — that’s the Holt way.”