Independent or Captive Auto Insurance Agency?

Whenever the time comes to get auto insurance or to renew an existing one, the question invariably arises about which option offers better rates: an independent insurance agent or a captive insurance agent? That’s a great question, but you need to be asking about more than just the final figure of your premium comes to; there are several important issues to consider before you make a decision. But first, let’s understand who were referring to when we talk about independent and captive agents.