Choosing an insurance agency is about more than getting a quote — it’s about knowing that someone is actually looking out for you. At MBG Insurance, we built our agency around three principles that we believe set us apart from captive agents and big-name insurers across Missouri and Arkansas: we shop every carrier, every time; we’ve earned more 5-star Google reviews than any other agency in the Southwest Missouri market; and as an independent agency, we know that no single insurance company is the right fit for every client.
We Quote All of Our Carriers, All of the Time
A captive agent works for one insurance company. They can only offer you that company’s rates, that company’s coverage forms, and that company’s underwriting rules — whether or not those are actually a good fit for your home, your vehicles, or your budget.
We’re different. Every time we quote a client, we run their information through our full lineup of carriers — not just one or two. That means every client gets a real comparison, not a single number presented as if it’s the only option.
We Have the Most 5-Star Google Reviews in the SW Missouri Market
Reputation matters, and it’s earned one client at a time. MBG Insurance has more 5-star Google reviews than any other agency in the Southwest Missouri market — a reflection of the service our team provides long after the policy is bound, not just at the point of sale.
Why Independence Matters: One Carrier Does Not Fit All
Here’s something we see all the time, and it’s the clearest argument for using an independent agency: no single carrier is best for every client, or even best most of the time.
To make this concrete, we recently reviewed 224 real home and auto insurance quotes we ran for clients across Missouri and Arkansas, comparing combined home + auto pricing across our top nine major carriers we represent. The results tell the story better than we could:
| Carrier | Won Best Combined Rate |
|---|---|
| Carrier A | 44.6% of clients |
| Carrier B | 14.3% of clients |
| Carrier C | 11.6% of clients |
| Carrier D | 11.2% of clients |
| Carrier E | 7.1% of clients |
| Carrier F | 4.9% of clients |
| Carrier G | 4.0% of clients |
| Carrier H | 1.8% of clients |
| Carrier I | 0.4% of clients |
Even our top-performing carrier — the one that had the best combined home and auto rate most often — only won 44.6% of the time. That means for the majority of our clients, more than half, a different carrier actually had the better rate.
If we only sold one company’s policies, more than half of our clients would be overpaying, or worse, in the wrong coverage entirely, without ever knowing it. Because we’re independent, we’re able to shop the whole market for every single client and let the numbers decide — not a sales quota, not a company mandate, and not a guess.
The Bottom Line
Insurance isn’t one-size-fits-all, and the data proves it. When you work with MBG Insurance, you’re not locked into one company’s rates or one company’s rules. You get a team that shops the entire market on your behalf, backed by a track record of service that our community has recognized with more 5-star reviews than any other agency in the region.
That’s the difference between working with an insurance salesperson and working with an insurance agency that actually works for you.
Ready to see how your current coverage stacks up? Contact MBG Insurance today for a free, no-obligation quote comparison across our full lineup of carriers.
About the Author
Kirk Reisner is a Partner and Chief Financial Officer at MBG Insurance (Millennium Brokers Group), an independent agency serving small and mid-sized businesses and individuals across Missouri and Arkansas, with additional licensing in Kansas and Texas. Kirk has worked in insurance since 1998, becoming a licensed agent in 2001 and opening his own independent agency in 2006. He holds a B.S. in Insurance and Risk Management from Missouri State University and an Associate in Claims (AIC) designation.