Independent vs Captive Insurance Agents: Which Is Better for Greenville Residents?
When shopping for insurance in Greenville, one of the most important decisions is who you buy from. There are two main types of insurance agents: independent and captive. Understanding the difference can save you hundreds of dollars a year. Captive Agents A captive agent works for one insurance company exclusively. They can only offer that company's products and pricing. If their company does not have a competitive rate for your situation, your only option is to go elsewhere and start the process over. Independent Agents An independent agent represents multiple insurance companies. They can shop your coverage across several carriers and present you with options. If one company raises your rates, your agent can move you to another carrier without you having to start from scratch. Why Independent Agents Often Save You More Because independent agents have access to multiple carriers, they can: Compare rates across 5, 10, or even 20+ companies Find carriers that special...
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