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Most people don’t fully understand insurance, and that’s probably because of its inherent complexity. But one aspect of insurance that is simple to understand is the four types of Insurance Agent:
1. Captive Agents, who can sell you the insurance of only one company

2. Telephone Representatives, who can offer you the insurance of one company and only on the telephone

3. Internet sites where you can fill out an application online and get an insurance quote without any help or direction from a qualified professional.

4. Independent Insurance Agents who represent an average of eight insurance companies, and research with these firms to find you the best combination of price, coverage and service.

Numbers one through three work for their Company to find customers. An Independent Agent works for the customer and finds a company.
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