Direct writers like GEICO, Progressive Direct, and Liberty Mutual Direct are technically a third category — they sell directly to consumers without using independent or captive agents at all. They function similarly to captive carriers in that you can only access one company’s products, but without a local agent. Many consumers prefer agent-supported buying for the advocacy and consultation, particularly on complex personal lines or any commercial coverage.
For more on the differences between direct, captive, and independent channels, see our complete agent comparison guide.
