About Oldham & Associates Insurance Agency

Zac Oldham - Principle Agent - Your Independent Insurance Agent

Oldham & Associates Insurance chose to transition from the "captive" insurance model to the "independent" insurance model in 2011. The "independent" model allows for the insurance agent to quote your insurance with many different insurance companies at any time. This allows the consumer to get the best possible policy and price each year. The "captive" agency model forces the agent to quote only with one company. Typical "captive" agency models include State Farm, Nationwide, Farmers, and Allstate Insurance.

When you are insured with a "captive" agent he or she can only offer you one quote. We believe you should have options as one size does not fit all. Also, the "independent" model requires the insurance companies to compete for your business. They understand that the agent has options and that the consumer is able to move fluidly throughout the agency to a different company if desired.

We have been very pleased with the recent success of the transition. Our policyholders have experienced significant cost savings while improving coverage, reducing deductibles, and adding important policy options.

Most consumers do not realize that there are big differences in how insurance is sold. When a consumer purchases insurance they are choosing from three distribution sources:

  • Captive Insurance Agents - work for just one company and sell only one brand. Examples: State Farm, Allstate, Farmers, Nationwide

  • Direct - from an insurance company Impersonal service, no advice, and not a one stop shop for all your insurance needs. Examples: GEICO, 21st Century, USAA.

    Zac Oldhame Principle Agent of Oldham and Associates of Allen, Texas

    Principle Agent: Zac Oldham & Family
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  • Independent Insurance Agent
  • Represents numerous insurance companies and their business is to find you the best possible value and coverage based on your individual needs.
    Example: Oldham & Associates Insurance

    Gives you competitive prices because the agent can compare coverage and rates from many insurance companies.

    Offers you a choice of plans and programs.

    Is your consultant, working with you as you determine your needs.

    Unlike other agents, we are not restricted to any one company, thus, you don’t need to change agencies as your insurance and service needs change.

    We treat you like a person, not just a number.

    We are licensed professionals with strong customer and local community ties.

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1333 W McDermott, Ste 150 Allen, TX 75013
Phone: 469-519-1032
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