Independent agents thrive on personal service and often have convenient locations and ample parking. Captive agents offer personal service, good prices, and products generally limited to one family of companies. Within these companies you will generally find coverage for both good and poor drivers and new and older homes. However, the captive agent may not be able to provide all coverages you need for your lifestyle. If you fit their defined target markets, direct writers can be very price competitive and can provide broader than average coverage.
Agent turnover can be a problem.
Some direct writers may not provide coverage for some insurance markets, policies or needs. Life insurance is often a significant portion of direct writer's income, so expect to be asked about your life insurance. By telephone or mail. Some direct marketing carriers are highly respected and provide superior telephone service. The best direct marketing companies can handle all of your needs over the phone.