About
Welcome!
Since 2000, Victor Pallante Insurance Broker has been Caldwell’s go-to insurance agent for all your insurance needs, from auto and home to business insurance. As an independent agent, I will shop around with over 20 providers to find the best coverage plan for you. You can count on me to secure the best options at the best price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase the first one you see. Imagine if, one day, the automobile industry decided to make only one type of car—one make and one model. You wouldn't have a choice! The same situation applies to insurance. You need insurance to drive a car, purchase a house, protect your family's financial future, and run a small business. But if there were only one insurance company offering only one type of insurance, you wouldn't have a choice. The only option would be to go to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that they work to satisfy your needs. You are consulting an expert for an important financial decision. An independent agent has access to several companies, allowing them to find you the best coverage at the best price. Your independent agent will also know which companies have the most efficient claims departments to help you recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and provide you with an objective analysis of the marketplace. Ultimately, the final choice is up to you.