50+ Carriers. One Agency. Your Best Available Rate.
We're not locked into one company's products — which means we shop the market every time and find coverage that actually fits.
When you work with a captive agent, you get one carrier's answer to your coverage question. When you work with Wallace & Murray, we compare options across more than 50 carriers and bring you what the market actually offers for your specific situation. Same top-tier products. Better chance of finding the right rate. And a local agent who's been doing this since 1972 and knows which carriers perform when it counts.
No agency fees. Carrier compensation is built into your premium whether you go direct or through an agent. Working with us costs the same as going direct — with comparison shopping included.
Carriers We Work With
We represent a broad portfolio of carriers across personal, farm and ranch, commercial, and life insurance lines. A few you'll recognize:
We work with many additional carriers across all lines. The right carrier for your situation depends on your coverage type, property, driving record, health, and other factors — that's exactly what we sort through on your behalf.
A Straight Answer on Who We Can't Access
State Farm and Farm Bureau are captive carrier operations — their agents work exclusively for them and cannot be accessed through independent agencies. We don't represent them, and we won't tell you otherwise.
What we can tell you is that the carriers we do work with are competitive, reputable, and cover the full range of personal, commercial, farm, and life insurance needs. If the right fit for your situation is a carrier we represent, we'll find it. If it isn't, we'll tell you that too.
Why the Number of Carriers Actually Matters
More carriers means more underwriting models, more rate structures, and more ways to find a policy that fits your specific risk profile. Two carriers offering identical coverage can quote meaningfully different premiums for the same applicant — because they weigh age, claims history, location, and other factors differently.
Fifty-plus carriers isn't a marketing number. It's the reason a customer who got one rate from a captive agent often finds a better one through us. We've been placing coverage long enough to know which carriers are competitive for which situations — and which ones show up the way they should when a claim gets filed.
Frequently Asked Questions About Our Carrier Partners
What insurance companies does Wallace & Murray work with?
We work with 50+ carriers across personal, farm and ranch, commercial, and life insurance lines — including Allstate, Germania, and Home Prairie, among many others. Aaron can walk you through which carriers are most relevant for your specific coverage needs.
Does Wallace & Murray work with Allstate?
Yes. Wallace & Murray holds an independent appointment with Allstate, which means we can place Allstate coverage as part of a broader comparison — rather than presenting it as the only option.
Why can't I get State Farm or Farm Bureau through Wallace & Murray?
State Farm and Farm Bureau operate through captive agents — agents who work exclusively for one carrier. Independent agencies like Wallace & Murray cannot access those carriers. The trade-off is that we can access 50+ other carriers and shop them against each other on your behalf.
Does working with an independent agent cost more because of commissions?
No. Carrier commissions are built into your premium regardless of whether you go direct or through an agent. Working with Wallace & Murray costs the same as going direct — with the comparison shopping done for you.
How does Wallace & Murray decide which carrier to recommend?
We look at your coverage needs, your property or vehicle, your budget, your claims history, and your situation specifically — then we pull options from carriers that are competitive for that profile. Our job is your best available rate and coverage fit, not pushing any one carrier.
Not Sure Which Carrier Is Right for You? That's Literally Our Job.
Tell us what you need and we'll do the shopping. One call, one conversation, and we'll show you what the market offers.