Serving Idaho, Utah, and Wyoming

Talk to an expert:  208-522-5151   |

Independent vs. Captive vs. Direct Insurance: How Choosing an Independent Agency Puts You, the Shopper, on Top

by | Feb 11, 2022

Shopping for insurance can feel overwhelming, with numerous options and channels. However, one insurance shopping option consistently puts shoppers first: independent insurance agencies. In this blog post, we’ll explore the differences between direct, captive, and independent insurance channels and discuss why independent agencies like Page Insurance offer the ultimate shopping experience.

Direct Insurance: Quick Quotes, Limited Options

Direct insurance channels allow you to purchase policies directly from insurance companies, usually online or through call centers. While this method may seem convenient and fast, it comes with several drawbacks:

  • A limited selection of products
  • No objective advice on coverage
  • Potential for higher premiums due to advertising and operational costs

Captive Insurance: Local Agents, Limited Choices

Captive insurance channels provide local agents who work exclusively for a single insurance company. Although they offer personalized service, their limitations include:

  • Biased advice, pushing their company’s products
  • Time-consuming to shop each company individually
  • Declining market share

Independent Insurance: The Ultimate Insurance Shopping Experience

Independent insurance agencies, like Page Insurance, offer a one-stop shopping experience that puts shoppers first. By working with multiple insurance companies, independent agencies provide:

  • A wide range of products and coverage options
  • Unbiased, objective advice on policies
  • Competitive rates and lower operational costs

Finding the Right Independent Agency for You

To find the perfect independent agency, consider the following factors:

  • Their knowledge of your state and local needs
  • Access to quality insurance companies and products
  • Good customer service and investment in technology

Could Page Insurance Be Right for You?

If you live in Idaho, Utah, or Wyoming and prioritize your insurance needs first, Page Insurance could be the perfect fit for you. By choosing an independent agency like Page Insurance, you, the shopper, come out on top with the best coverage, personalized service, and competitive rates. Don’t hesitate to give us a call or visit our website to learn more about how we can help you with all your insurance needs. So, go ahead and experience the ultimate insurance shopping experience that puts you in the driver’s seat!

If you’re ready to explore options, click here!


John Page, President of Page Insurance, has been a driving force in the insurance industry since 1998. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the clients in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, and traveling with his wife and three kids, who are the loves of his life. John is a big hockey fan who loves rooting for the local Idaho Falls hockey team.