An independent insurance agent is not tied to any specific insurance company. They represent multiple insurance companies and can provide a variety of options to their clients.
This is compared to a captive agent who works for only one insurance company and can only offer you the products that company offers.
Advantages of using an independent insurance agent include having:
· access to a broader range of options and policies, which can help you find the best coverage for your specific needs
· the ability to compare rates and coverage from different insurance providers for you
· more flexibility to negotiate with insurers on your behalf
· more experience navigating the complexities of different policies and coverage options
Using an independent insurance agent (like me) helps you locate insurers that provide just the right coverage at the right price, saving you both time and money.