Captive Carriers vs. An Independent Agency: What’s the Difference?

When choosing an insurance agent, you have two broad categories from which to select from. You can choose to work with a captive agent or you may choose an independent agent. A captive agent is an agent who works with one insurance carrier. By contract, he can only sell a particular company’s products, thus the term “captive”. An independent agency represents the insurance products of multiple companies, they can look at a variety of products from several insurance carriers to find you the best coverage at the best price. They can offer you more options to suit your particular needs.

Captive carriers are limited in the products they can offer you, while an independent agency is free to sell multiple lines. As an independent agency, we at North American Advantage Insurance Services feel the choice is pretty clear. When it comes to options and savings, an independent agency would have the “advantage”.

Want to know how much we can save you on your insurance? Contact us at North American Advantage Insurance Services. Located in Irving, Texas we provide insurance all over the country, and we look forward to serving you too!