Using an independent agent to quote your auto and home insurance has several advantages:

1. Access to Multiple Insurance Providers: Independent agents work with various insurance companies, meaning they can compare quotes from different providers. This can help you find the best coverage at the most competitive price. In contrast, a captive agent works for only one insurance company.
2. Tailored Recommendations: Since independent agents have access to a broad range of options, they can recommend coverage that’s more customized to your specific needs, rather than pushing you toward a standard policy that may not fit your situation.
3. Expert Advice: Independent agents are experts in the insurance industry and can provide valuable insights about different policy types, coverage options, and what may be best for your specific circumstances.
4. Advocacy: If you ever need to file a claim, independent agents can help advocate for you. They can guide you through the process and assist in ensuring you’re getting the benefits you’re entitled to.
5. Continued Support: Once you have your policy, independent agents often provide ongoing service, helping with renewals, policy changes, and answering questions when needed.
6. Flexibility: If your current insurer raises rates or doesn’t provide the best coverage in the future, your independent agent can help you shop around for better alternatives without switching agents.

Overall, working with independent agents gives you more options, personalized service, and potentially better deals on both your auto and home insurance policies.