Logically, it makes more sense to work with a local, independent insurance agent because and independent agent has access to multiple A-rated carriers for all your insurance needs. Captive agents represent ONLY one company (i.e. State Farm agent, Farm Bureau agent, Shelter agent, Nationwide agent, Allstate agent, etc…). Captive Agents don’t have access to multiple markets for auto, home, motorcycle, boat, rental dwellings, umbrellas, etc.
It boils down to Independent Agents having access to multiple A-rate insurance carriers- which will provide you with the best rates possible.
If you would like a free review of your auto insurance, home insurance or business insurance, call me today! 859-916-4513