Find a person or company you can work with. Independent agents do not always have the lowest price policies.
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.