Shopping around for the best insurance rates can be time-consuming and complex. But, that’s where an independent insurance agent can help. Unlike captive agents, who represent one insurer, or insurance companies themselves, who only sell their products, independent agents have access to a variety of insurers’ policies and can work to find you the best policy at the best rate. When you use an independent agent, they can quote rates for multiple companies and recommend certain companies that may better meet your needs.