Captive vs Independent Insurance Agent

Many unique needs. One Price & Ramey.

Understanding the choices you have when it comes to insurance shouldn’t be complicated. So here is the heart of the answer to the question “what is a captive insurance agent” in less than 50 words. 

Captive insurance agents are contracted by a large insurance company and can only sell that company’s policies. For example, an insurance agent from your local Geico, State Farm, All State, Farmers, etc. branch can only sell you policies with their company.

Okay, now that we are on the same page there, what about the question “what is an independent insurance agent” in less than 50 words?

Independent insurance agents can sell multiple insurance lines from multiple carriers. For example, if you walk into your local independent agency, they can help select policies for you like Travelers for auto, Cincinnati Insurance for home, Grange for life, and hundreds of other insurance companies to custom fit your needs.

In essence, the independent agent is better able to tailor your insurance quote to your specific needs, but the captive agent benefits from national branding and will know more details about each policy you purchase. And there it is as simple as can be! Interested in getting a personally tailored quote from an independent agency? Click here to meet Price & Ramey Insurance.