It is essential to understand the difference between independent and captive insurance agents.

The independent agent is indeed working on your behalf. We use an unbiased opinion when it comes to selecting insurance. Independent agents can offer dozens of carrier and rate options saving you money and time.

A captive agent is one who works with one particular insurance company. They only offer products from one carrier and do not have your best interests at the fore front. Furthermore, most larger/captive insurance carriers spend a ton of money on advertising and this in turn increases your costs!