Why Work with an Independent Agent?
Captive agents work for the insurance company. Online quotes work for no one. Independent agents work for you.
David is an independent insurance agent, which means he represents you, not any single insurance company. With access to 30+ carriers, he shops the entire market on your behalf to find the right coverage at the best price. You get one agent, one phone number, and dozens of options.
Independent vs. Captive vs. Direct: A Side-by-Side Comparison
The Bottom Line
When you work with David at 123 Insurance Group, you get the carrier access of a direct company, the personalized service of a captive agent, and something neither can offer: an advocate who shops the entire market on your behalf, every single year.
Talk to DavidFrequently Asked Questions
A captive agent represents one insurance company. An independent agent like David represents you and has access to multiple carriers. This means David can compare rates and coverage across the market to find your best option.
No. Independent agents are compensated by the insurance carriers, not by you. There's no fee for David's services, and because he shops multiple carriers, he often finds lower rates than captive agents.
Yes. David can review your current policies at any time and, if he finds better options, help you switch at your next renewal date, or mid-term if the savings are significant enough to justify it.
David works with 30+ top-rated carriers including well-known names in home, auto, and commercial insurance. The specific carriers available to you depend on your state, risk profile, and coverage needs.
Great. David can often find the same carrier at a better rate, or confirm that you're already getting the best deal. Either way, a free review costs you nothing and takes about 15 minutes.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
No cost. No obligation.
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