More coverage options along with a wide variety of prices. Why? Because independent insurance agencies work with various different insurance companies, meaning they can offer more products that can best meet insurance needs. Independent insurance agencies represent many different companies, they are able to help you fulfill many of your insurance needs at once. You can get auto, home, business insurance and more, all in one place, with the help of one agent. When you choose an independent insurance agency, you are rarely going to have a one-time transaction. Your agent will become part of your life, as you need to periodically review your coverage. They help you through many different stages of your life that trigger new insurance needs.