When shopping for insurance, you’ve probably heard the terms “independent agent” and “captive agent.” Both can help you purchase insurance—but they work a little differently.

Here’s what you should know.

What Is a Captive Agent?

A captive agent represents one insurance company.

That means they can only offer policies from that company’s products.

If that company has the best coverage and price for your situation, that’s great—but if another company is a better fit, they won’t be able to offer it.

What Is an Independent Agent?

An independent insurance agent represents multiple insurance companies instead of just one.

That means they can compare coverage and pricing from several carriers to help find the option that best fits your needs.

Which One Is Better?

Neither is necessarily “better”—it depends on what you’re looking for.

If you prefer having multiple companies compared for you without contacting each one yourself, an independent agent can save you time and provide more options.

Why It Matters

Insurance needs are likely to change over time.

As your life changes, the company that offered the best value a few years ago may not be the best fit today.

Working with an independent agency gives you access to multiple carriers under one roof, making it easier to review your options when the time is right.

We’re Here to Help

At Ingram Insurance, we work with multiple trusted insurance companies so we can help you compare your options—not just one company’s products.

If you’d like to review your current coverage, give us a call at (270) 842-3322.