What Is the Difference Between a Captive Agent and an Independent Agent?

Many people consult an insurance agent or broker for their car insurance needs, and for good reason: agents can help you navigate the complicated world of insurance and help you get the best deal.

But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered? Here’s the difference:

What Is a Captive Insurance Agent?

Captive insurance agents represent just one insurance company. As part of their business agreement, captive agent insurance companies offer only that company’s products, services, and coverages.

What Is an Independent Insurance Agent?

Independent insurance brokers and agents offer products from different companies. Often, they can offer more choices and savings because they can review multiple options to find the right mix of companies, coverages, and rates for you.

Because they represent many different insurance companies, independent agents can allow you to shop around with competing carriers and get you the best deal. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.

Another plus to working with an independent agent or broker is their ability to offer guidance for all your vehicle insurance needs. In some cases, bundling your car, motorcycle, boat, and/or RV policies together can save you big bucks. Leading car insurer Progressive offers multi-vehicle discounts, so don’t leave out any of your cars or other “toys” when getting your insurance quote.

Captive Agents vs Independent Agents

To learn more about the difference between captive agents & independent agents, talk to your local independent insurance agent at

Article courtesy of Progressive Insurance. © Progressive Insurance, all rights reserved.

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