With so many TV commercials, newspaper, radio ads and unsolicited mailings to your home, how do you decide which insurance agent will best serve your needs? Here are a few ways to make sure the agent you choose fits the bill. Company agents represent one insurance company and can only provide you price quotes and financial services from their one contracted company. They cannot "shop around" your coverage's with other companies. Examples of captive agents are State Farm agents, Farm Bureau agents and Allstate agents. Independent agents are appointed with multiple companies and can quote your coverage with many different companies. They are not obligated to place your coverage with any particular company, and the choice is up to you.
If you have access to an independent agent, that would be a good place to start your search for affordable car insurance. Independent agents write with many different companies and can do the legwork for you in comparing rates.