:: What is the advantage of purchasing insurance through an Independent Agent?

The main difference between an independent agent and a captive agent is an independent agent represents multiple insurance companies whereas the captive agent only represents one. 

Consumers who work through independent agents usually have an advantage during the claims process since they have a vested interest in keeping their clients happy. 

Another advantage of working with an Independent Agent is that they can help you become aware of less advantageous conditions with one insurance company and then help you move to another company without having to switch agents.  It is easier to develop a relationship with an agent rather than a direct company.