Captive vs. Independent: What’s the difference?
To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers—and the one you choose can make a big difference in the type of service you get and the choices you’re offered?
So what’s the difference?
Captive agents and brokers. Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company’s insurance products.
Independent agents and brokers. Independent agents like InsureMe Texas can offer products from many insurance companies. This helps us better serve your interests, as we can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. We can put together a customized insurance plan.
The agents at InsureMe Texas are local agents engaged in the community; we make buying easy with Internet and over-the-phone quotes and policies; we give you plenty of options and differing quotes to best match your insurance needs; and we offer affordable insurance rates to meet any budget.



