Should you use an independent agent or buy insurance direct? Here’s why working with a local agent can save time, money, and stress.

Independent Agent vs. Direct Carrier: What’s Better for Your Insurance Needs?

When it comes to buying insurance, you have more options than ever. You can go online and get a quote from a direct carrier in minutes—or you can work with a local independent agent who shops the market for you.

So, which is better?

The truth is, both options have their place. But if you want expert guidance, competitive pricing, and personalized service, working with an independent agent (like McKnight Insurance) offers some serious advantages.

Here’s what you need to know.

What Is a Direct Insurance Carrier?

A direct carrier is a company like GEICO, Progressive, or State Farm that sells policies directly to consumers—usually online or through call centers. You deal with the same brand for quotes, claims, and customer service.

These companies typically promote speed and convenience. But that can come at a cost.

What Is an Independent Insurance Agent?

Independent agents don’t work for just one company. Instead, they represent multiple insurance carriers and can compare policies and pricing on your behalf.

Think of it like working with a mortgage broker vs. walking into one bank. You get more options, tailored to your situation.

5 Reasons to Work with an Independent Agent

1. They Shop Around So You Don’t Have To

Rather than spending hours getting quotes from different websites, your agent does it all for you. They know which carriers are best for your:

• Home location and value
• Driving record
• Claims history
• Business type (for commercial policies)

You get better coverage at competitive rates—without the legwork.

2. You Get Personalized Advice

An independent agent takes the time to understand your needs and goals. That means they can:

• Identify coverage gaps
• Recommend the right limits
• Explain the fine print

Unlike a direct carrier, they’re not pushing one brand’s product. Their job is to find what fits you best.

3. They’re There When You Have a Claim

One of the biggest benefits of having an agent is having someone in your corner when something goes wrong.

Your agent can help you:

• File and follow up on claims
• Understand what’s covered
• Resolve disputes with carriers

You don’t have to navigate the claims process alone.

4. They Can Bundle and Customize More Effectively

Want to bundle home, auto, and umbrella insurance? Need coverage for a rental property or small business?

Independent agents have access to specialty carriers and unique policy packages that direct insurers often don’t offer.

5. You Support a Local Business

When you work with an independent agency like McKnight, you’re not just a policy number. You’re a neighbor.

Your agent understands local risks—from hailstorms in DFW to flood zones in Houston—and can build a plan that makes sense for where you live.

When Might a Direct Carrier Make Sense?

If you’re looking for basic auto insurance, have a clean record, and are comfortable managing everything online, a direct carrier can be a fast and easy option.

But for more complex needs or major life events—buying a home, starting a business, growing a family—a real person can make a real difference.

Final Thoughts

Buying insurance shouldn’t feel like a gamble. Working with an independent agent gives you the advantage of choice, experience, and advocacy—all at no extra cost to you.

Need help finding the right coverage? Contact McKnight Insurance to speak with a local, independent agent who puts your needs first. We’re here to make insurance easier, smarter, and more personal.