Benefits of using an independent agent vs a captive agent. In this day and age, it’s all about choices and options. This is where the value of an independent agent comes to light. Put simply, they have the ability to offer more choices than a captive agent. Independent agents represent, in some cases, over 100 insurance companies. This means they can look at your personal situation and shop your needs with several insurers to make the best recommendation for you. Each insurance company will have different rates, for different groups and needs. So it makes sense to have an agent find a company that meets your needs. Have you ever shopped for car insurance? Why? Because certain companies have better coverage in certain age groups and areas. So why not do the same for all your insurance? It cost you nothing to evaluate your insurance but most likely will save you money. Licensed and insured. I live in your neighborhood and have lived here for 31 years. [email protected]