Competition drives down prices. It's a fact. But, many large insurance companies hire "captive" agents. These agents can only sell their employer's products. So, when you ask a captive agent to give you a quote you get a quote from their company. Independent agents don't work for the insurance company. Their job is to help you find the best possible carrier and product for your need - period. If you have a captive agent you really like, you owe it to yourself to get a quote from an independent agent as well.
