Why should I buy insurance from an agent rather than directly from the insurance company? 
I always recommend using an independent insurance agent who can compare multiple insurance companies instead of just one carrier . Agents who work for a specific carrier are known as `` captive agents '' and must apply through that carrier before they can look at other companies -LRB- and usually they can only look at other carriers if they were declined by the first company -RRB- . There 's no extra cost to using an independent agent versus calling the carrier directly and you get all of the added services at no charge -LRB- instead of getting a random customer service representative to try to answer your questions . Through an agent , you can speak with the same person for all your questions and get any input that you need . Applying through an agent can save you tons of time , aggravation , and frustration through the application process - and of course , they can save you a lot of money by determining for you which insurance company may offer the coverage at the lowest possible cost . Often times when you try to ask 10 different people for help , you can have too much information thrown at you and the process can become confusing . When you 're looking for coverage , stick with an agent who you feel is knowledgeable , experienced , and will help you determine how much coverage is suitable to your needs and which carrier will offer it at the lowest possible cost based on your medical history . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much . 