Have you ever wondered what the difference is between an Independent and a Captive insurance agent? An independent agent has access to several different insurance companies whereas a captive agent only has access to one insurance company. If you are insured with State Farm, Allstate, Nationwide, Farmers, Farm Bureau or Geico you are dealing with a captive agent or company. A captive agent is only able to offer you products and services from one company so you may not be getting the best deal as far as coverage, discounts and price.
An independent agent is able to offer products and services from several different companies and can compare rates based upon on your needs. An independent agent is truely an agent for the customer instead of a representative of the company. My advise is to always work with an independent agent.
For more information please visit www.theandrewagency.com.