{"id":825,"date":"2020-10-05T00:00:57","date_gmt":"2020-10-05T06:00:57","guid":{"rendered":"https:\/\/shieldagency.com\/?p=825"},"modified":"2023-08-30T13:20:26","modified_gmt":"2023-08-30T19:20:26","slug":"independent-agent","status":"publish","type":"post","link":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/","title":{"rendered":"Independent Agent: Dave Ramsey&#8217;s Number One Tip"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"> &#8220;If you&#8217;re looking to save hundreds, even thousands, on your insurance costs, consider Dave&#8217;s number-one tip: Purchase your coverage through an independent insurance agent, which is an agent who represents several insurance companies instead of working for just one carrier.&#8221; &#8211;&nbsp;Dave Ramsey <\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Shield Insurance Agency is a 3rd Generation Agency providing all Independent Agents<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In today&#8217;s economy we cut coupons, look for&nbsp;<a rel=\"noreferrer noopener\" href=\"http:\/\/dictionary.reference.com\/browse\/bogo\" target=\"_blank\">BOGO&#8217;s<\/a>, and try to find the best insurance coverage for our buck. With insurance agents, there are two types &#8211; Captive and Independent. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A captive agent is one who works for one specific company and is able to provide one companies products. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">From Dave<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An independent agent is one who sells insurance products for several different companies but does not work for a specific company. So as we spend our time looking for ways to trim costs, one easy way to do that is to contact your local independent insurance agency and see how they can help.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"375\" src=\"https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2020\/10\/Dave-Ramsey-Endorses-Shield-Insurance-Agency-e1601925894529.jpg\" alt=\"Shield Insurance is an Independent Agency, Endorsed by Dave Ramsey\" class=\"wp-image-4551\" srcset=\"https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2020\/10\/Dave-Ramsey-Endorses-Shield-Insurance-Agency-e1601925894529.jpg 1000w, https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2020\/10\/Dave-Ramsey-Endorses-Shield-Insurance-Agency-e1601925894529-300x113.jpg 300w, https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2020\/10\/Dave-Ramsey-Endorses-Shield-Insurance-Agency-e1601925894529-768x288.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Number-one tip from Dave: Purchase your coverage through an independent insurance agent<\/p>\n","protected":false},"author":2,"featured_media":6875,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[343,2],"tags":[247,248,249,1608,251,170],"class_list":["post-825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","category-shield-blog","tag-dave-ramsey","tag-endorsed-by-dave-ramsey","tag-financial-wellness","tag-independent","tag-independent-agent","tag-life-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Number-one tip from Dave: Purchase your coverage through an independent insurance agent\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Shield Insurance Agency\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.shieldagency.com\/blog\/independent-agent\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#blogposting\",\"name\":\"Independent Agent: Dave Ramsey\\u2019s Number One Tip - Blog | Shield Insurance Agency\",\"headline\":\"Independent Agent: Dave Ramsey&#8217;s Number One Tip\",\"author\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Dave-Ramsey-scaled-1.jpg\",\"width\":1000,\"height\":666,\"caption\":\"Independent Agent - Dave Ramsey's Number One Top - Shield Insurance Agency Blog\"},\"datePublished\":\"2020-10-05T00:00:57-06:00\",\"dateModified\":\"2023-08-30T13:20:26-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#webpage\"},\"articleSection\":\"Life Insurance, Shield Insurance Agency Blog, dave ramsey, Endorsed by Dave Ramsey, financial wellness, independent, independent agent, Life Insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/shield-blog\\\/#listItem\",\"name\":\"Shield Insurance Agency Blog\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/shield-blog\\\/#listItem\",\"position\":2,\"name\":\"Shield Insurance Agency Blog\",\"item\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/shield-blog\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#listItem\",\"name\":\"Independent Agent: Dave Ramsey&#8217;s Number One Tip\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#listItem\",\"position\":3,\"name\":\"Independent Agent: Dave Ramsey&#8217;s Number One Tip\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/shield-blog\\\/#listItem\",\"name\":\"Shield Insurance Agency Blog\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\",\"name\":\"Blog | Shield Insurance Agency\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/\",\"name\":\"Shield Insurance Agency\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/14063c35c483edefd6f2ec1a7c720b71a35d4a774a0e5766b6d5bf28ce49f16f?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"Shield Insurance Agency\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/shieldagency\\\/\",\"https:\\\/\\\/twitter.com\\\/shieldagency\\\/\",\"https:\\\/\\\/www.instagram.com\\\/shieldinsuranceagency\\\/\",\"https:\\\/\\\/www.pinterest.com\\\/ShieldInsuranceAgency\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC59TWefjvwyIYMqojtvsCsg\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/shieldinsuranceagency\\\/\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#webpage\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/\",\"name\":\"Independent Agent: Dave Ramsey\\u2019s Number One Tip - Blog | Shield Insurance Agency\",\"description\":\"Number-one tip from Dave: Purchase your coverage through an independent insurance agent\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Dave-Ramsey-scaled-1.jpg\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#mainImage\",\"width\":1000,\"height\":666,\"caption\":\"Independent Agent - Dave Ramsey's Number One Top - Shield Insurance Agency Blog\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/independent-agent\\\/#mainImage\"},\"datePublished\":\"2020-10-05T00:00:57-06:00\",\"dateModified\":\"2023-08-30T13:20:26-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/\",\"name\":\"Blog | Shield Insurance Agency\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Independent Agent: Dave Ramsey\u2019s Number One Tip - Blog | Shield Insurance Agency","description":"Number-one tip from Dave: Purchase your coverage through an independent insurance agent","canonical_url":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#blogposting","name":"Independent Agent: Dave Ramsey\u2019s Number One Tip - Blog | Shield Insurance Agency","headline":"Independent Agent: Dave Ramsey&#8217;s Number One Tip","author":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"publisher":{"@id":"https:\/\/www.shieldagency.com\/blog\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2021\/01\/Dave-Ramsey-scaled-1.jpg","width":1000,"height":666,"caption":"Independent Agent - Dave Ramsey's Number One Top - Shield Insurance Agency Blog"},"datePublished":"2020-10-05T00:00:57-06:00","dateModified":"2023-08-30T13:20:26-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#webpage"},"isPartOf":{"@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#webpage"},"articleSection":"Life Insurance, Shield Insurance Agency Blog, dave ramsey, Endorsed by Dave Ramsey, financial wellness, independent, independent agent, Life Insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.shieldagency.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/shield-blog\/#listItem","name":"Shield Insurance Agency Blog"}},{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/shield-blog\/#listItem","position":2,"name":"Shield Insurance Agency Blog","item":"https:\/\/www.shieldagency.com\/blog\/category\/shield-blog\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#listItem","name":"Independent Agent: Dave Ramsey&#8217;s Number One Tip"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#listItem","position":3,"name":"Independent Agent: Dave Ramsey&#8217;s Number One Tip","previousItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/shield-blog\/#listItem","name":"Shield Insurance Agency Blog"}}]},{"@type":"Organization","@id":"https:\/\/www.shieldagency.com\/blog\/#organization","name":"Blog | Shield Insurance Agency","url":"https:\/\/www.shieldagency.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author","url":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/","name":"Shield Insurance Agency","image":{"@type":"ImageObject","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/14063c35c483edefd6f2ec1a7c720b71a35d4a774a0e5766b6d5bf28ce49f16f?s=96&d=mm&r=g","width":96,"height":96,"caption":"Shield Insurance Agency"},"sameAs":["https:\/\/www.facebook.com\/shieldagency\/","https:\/\/twitter.com\/shieldagency\/","https:\/\/www.instagram.com\/shieldinsuranceagency\/","https:\/\/www.pinterest.com\/ShieldInsuranceAgency","https:\/\/www.youtube.com\/channel\/UC59TWefjvwyIYMqojtvsCsg","https:\/\/www.linkedin.com\/company\/shieldinsuranceagency\/"]},{"@type":"WebPage","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#webpage","url":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/","name":"Independent Agent: Dave Ramsey\u2019s Number One Tip - Blog | Shield Insurance Agency","description":"Number-one tip from Dave: Purchase your coverage through an independent insurance agent","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.shieldagency.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#breadcrumblist"},"author":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"creator":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/www.shieldagency.com\/blog\/wp-content\/uploads\/2021\/01\/Dave-Ramsey-scaled-1.jpg","@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#mainImage","width":1000,"height":666,"caption":"Independent Agent - Dave Ramsey's Number One Top - Shield Insurance Agency Blog"},"primaryImageOfPage":{"@id":"https:\/\/www.shieldagency.com\/blog\/independent-agent\/#mainImage"},"datePublished":"2020-10-05T00:00:57-06:00","dateModified":"2023-08-30T13:20:26-06:00"},{"@type":"WebSite","@id":"https:\/\/www.shieldagency.com\/blog\/#website","url":"https:\/\/www.shieldagency.com\/blog\/","name":"Blog | Shield Insurance Agency","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.shieldagency.com\/blog\/#organization"}}]}},"aioseo_meta_data":{"post_id":"825","title":null,"description":null,"keywords":[],"keyphrases":{"focus":{"keyphrase":"Dave","score":85,"analysis":{"keyphraseInTitle":{"score":9,"maxScore":9,"error":0},"keyphraseInDescription":{"score":3,"maxScore":9,"error":1},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":1},"keyphraseInURL":{"score":1,"maxScore":5,"error":1},"keyphraseInIntroduction":{"score":9,"maxScore":9,"error":0},"keyphraseInSubHeadings":{"score":9,"maxScore":9,"error":0},"keyphraseInImageAlt":{"score":9,"maxScore":9,"error":0},"keywordDensity":{"type":"best","score":9,"maxScore":9,"error":0}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":[],"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":"{\"article\":{\"articleType\":\"BlogPosting\"},\"course\":{\"name\":\"\",\"description\":\"\",\"provider\":\"\"},\"faq\":{\"pages\":[]},\"product\":{\"reviews\":[]},\"recipe\":{\"ingredients\":[],\"instructions\":[],\"keywords\":[]},\"software\":{\"reviews\":[],\"operatingSystems\":[]},\"webPage\":{\"webPageType\":\"WebPage\"}}","pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2021-03-03 00:55:13","updated":"2025-06-04 08:19:02","seo_analyzer_scan_date":null},"_links":{"self":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/comments?post=825"}],"version-history":[{"count":6,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/825\/revisions"}],"predecessor-version":[{"id":13747,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/825\/revisions\/13747"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/media\/6875"}],"wp:attachment":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/media?parent=825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/categories?post=825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/tags?post=825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}