Independent Insurance Brokers vs. Captive Agents


There is a big difference between a captive insurance agent and an independent insurance broker.

Captive insurance agents represent and are committed to their insurance company. Captive insurance agents include Farmers Insurance, State Farm Insurance, and Allstate Insurance.

Ask a Farmers Agent – which policy is best?

Answer: Farmers

Ask a State Farm Agent – which policy is best?

Answer: State Farm

Ask an Allstate Agent – which policy is best?                                                        

Answer: Allstate

They cannot all be the best.

Only an independent insurance broker, who represents the insured, can provide an unbiased recommendation that clients can rely upon. Independent insurance brokers obtain completive bids from several insurance companies in order to obtain the best price and policy terms for their clients.

Coast Management of California