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What is the difference between Independent Agents and local or direct insurance agents?

There are three sources for insurance in today’s marketplace:

  • Captive Local Agents: Can sell the insurance and represent the interests of one company.
  • Telephone Direct Representatives: Also represent the interests of a single insurance provider and can only do so over the telephone, typically in a call center environment.
  • Independent Insurance Agents: represent numerous top insurance carriers and will research with these firms to find you the best combination of value, coverage and service.