Captive Agent vs Independent Agent

There are lots of ways to purchase an insurance policy these days, whether that's online, over the phone, or in person. Ultimately, you'll obtain insurance directly from an insurance company or through a licensed insurance agent.

If we take a step further, there are multiple types of insurance companies and insurance agents to choose from. This is where we're going to take a look at the benefits of using an independent agent vs a captive agent.

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The carriers with the largest number of captive insurance agents are: 

• ​State Farm
• Allstate
• Farmers
• American Family 
• Farm Bureau

​In this day and age, it's all about choices and options. This is where the value of an independent agent really comes to light. Simply put, they have the ability to offer more choices than a captive agent.

In some cases, independent agents represent 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.

I was a captive agent for 3 years before opening Evoke Insurance Solutions LLC. I'll be forever grateful for the training that I received and the relationships that were built with my captive insurance agency. 

Making the switch, and operating as an independent agent, has been extremely beneficial for my clients. It's rare that I can't offer my clients a more competitive and efficient policy than what they have currently. If their current insurance is with a captive agency, it's extremely rare to not be able to offer them a more efficient policy.

Is your insurance as efficient as it should be? We'd love to provide you with a no obligation; no cost quote comparison. Contact us today!