Personal Lines

The Independent Advantage

What’s the difference between a “State Farm” agency versus a local independent insurance agency? Let’s start from the beginning.  State Farm is a captive insurance company that uses captive agencies.  A captive agency can generally represent only one insurance company.  Who are some captive insurance companies?  Allstate, State Farm, Farmers, American Family, and 800-number companies like GEICO are a few [...]