How to Compare Insurance Quotes With An Independent Agent: 2026 Expert Guide
Key Summary Independent agents work with multiple carriers. Unlike captive agents who represent one company, independent agents access dozens of insurance providers and can show you side-by-side comparisons that would take you days to compile on your own. You save time by letting someone else do the legwork. Instead of filling out forms on ten different websites, you provide your information once and receive multiple quotes without the endless phone calls and email spam. Bundling discounts become easier to find. An independent agent can identify which carriers offer the best rates when you combine auto, home, and umbrella policies together, and they'll run the numbers across all their providers to maximize your savings. Claims support works differently with an independent agency. Your agent advocates for you during the claims process rather than representing the insurance company's interests, and you can learn more about how independent agencies operate to understand this ...