Independent and captive agents earn commissions from carriers (not direct fees from clients), so the agent cost is roughly equivalent. However, because independents shop across multiple carriers, the policies they place are often less expensive than what a single captive carrier offers for the same coverage. The savings come from carrier competition at the point of sale and again at every renewal.
To see how an independent comparison stacks up against your current captive quote, request a free comparison quote from Bridgeway. Learn more in our independent vs captive agent guide.
