Captive vs Independent Insurance Agents: What’s the Difference?

Confused about which type of insurance agent to work with? You’re not alone—there’s a lot of misinformation out there. In this video, we break down the real differences between captive, direct, and independent agents, and why your choice could impact both your coverage and your wallet.

✔️ Captive Agents: Work for one company (like State Farm or Allstate).
✔️ Direct Writers: Sell insurance online or through call centers (like USAA or Amica).
✔️ Independent Agents: Work with multiple carriers to find you the best rate and coverage.