TROUT INSURANCE SERVICES
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Why Work With An Independent Agent from Trout Insurance

Most people believe that it doesn't really matter where they purchase insurance, when nothing could be further from the truth.  This widespread misconception is costly to consumers in more ways than one.  In all likelihood, they are paying higher premiums for coverage that does not adequately protect them and is not ideally suited to their needs, and they may have an agent who is not working in their best interest.  Self-education when purchasing coverage is very important because insurance is a safety net protecting your loved ones and assets.   

Currently, there are three sources for the purchase of insurance products: 
Captive, Direct and Independent Insurance Agents:

  • Captive Agents, by definition, are salespeople who work exclusively for one insurance carrier and are obliged
    to sell only products offered by that company.  Captive Agents are most often self-employed business owners, 
    with their local agency in a neighborhood.   Allstate, Farm Bureau, and State Farm fall under this classification.

  • Direct Agents, a sub-group of Captive Agents, although licensed, are not "agents" in the traditional sense.  
    The Direct Agent approach uses telephone call center employees to explain and sell their single insurance 
    product.  Direct Agents rarely operate out of neighborhood "brick and mortar" agencies with the majority of 
    their business being conducted through online transactions and correspondence.  Geico and USAA fall under 
    this classification.

  • Independent Insurance Agents represent an average of eight insurance companies.  Trout Insurance of 
    Asheville is a locally owned Independent Insurance agency and our agents are not bound to any one 
    company, giving them the freedom and capability to actively compare insurance plans and programs offered 
    by several different companies.  At Trout Insurance, our agents strive to ensure that we find the widest range 
    of coverage options available and secure the most competitive rates for our clients.  We will work closely with 
    you to help determine your insurance needs and will review your coverage as you move into and begin to plan 
    for different phases of your life.  Our agents are always happy to answer any questions you may have, assist 
    you with claims, or help you navigate the sometimes confusing and overwhelming world of insurance.  At Trout
    Insurance, our primary goal is to meet and exceed the expectations of our clients with an emphasis on 
    complete customer satisfaction.
Trout Insurance Services

Monday-Friday
9:00am - 5:00pm & by appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

[email protected]
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
Picture
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us