Independent Insurance Agents are what they are “independents.” They are not captive agents and that’s why they may be better for the insurance consumer. They are free to use a variety of carriers when looking for a suitable market for their clients. Captive agents on the hand offers a strict line of services from a particular carrier. It sounds more like monopoly in the market world. Well as a consumer, you have the leverage to seek the services of an independent agent. You may actually save heaps of dollars when you use the services of a knowledgable agent.