We are an Independent Insurance Agency that works with over 25 insurance companies to find the best rates for your auto, home, business and life insurance needs. Operating in Arizona, Colorado, Idaho, Utah and Washington So what is an Independent Insurance Agent? There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference! Captive Agents are committed to one insurance carrier, like AllState, Farmers, American Family, Country or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities that may better suit consumer needs. To a captive agent, the parent company comes first. On the other hand, Independent Insurance Agents are open to offering their customers multiple insurance carriers. This broader selection offers more resources to find coverage that best suits your personal situation. We shop for you. To an independent agent, the customer comes first. A shocking number of people overpay for car and home insurance without realizing it. An independent insurance professional works for you not the insurance company. We can search dozens of policies from many reputable companies. And best of all, it's absolutely free to use an independent insurance professional!