When you shop for insurance, you have two types of agents to choose from: independent agents and captive agents. Understanding the difference could save you hundreds of dollars a year.
What Is a Captive Agent?
A captive agent works exclusively for one insurance company — think State Farm, Allstate, or Farmers agents. They can only sell their company's products, which means if that company's rates aren't competitive for your situation, you're out of luck.
What Is an Independent Agent?
An independent agent — like Markve Insurance Solutions — represents multiple insurance companies. We're not tied to any single carrier, so we can shop the market on your behalf and compare options from 20+ top-rated insurers to find the best fit for your needs and budget.
The Key Differences
- Carrier choice: Independent agents compare dozens of carriers. Captive agents offer one.
- Loyalty: Independent agents work for you. Captive agents work for their company.
- Pricing: More competition means better rates. Independent agents find gaps and savings captive agents can't.
- Claims advocacy: Independent agents advocate for you at claims time — they have no loyalty to the carrier.
Why Choose Markve Insurance?
At Markve Insurance Solutions, we've been independent agents since 1981. That means over 45 years of putting clients first — not insurance company quotas. We're licensed in 12 states and work with 20+ top carriers to find the right coverage at the right price for every client.
One call to us gets you access to competitive quotes from multiple insurers — saving you time and money without sacrificing coverage.
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