 Did you know there are two types of insurance agents, independent and captive? Here's the difference. A captive agent works for one company. An independent agent represents multiple companies. If you call a captive agent, you'll get a quote only from their insurance company. If you call an independent agent, you'll get quotes from many insurance companies. This gives you the opportunity to truly compare multiple rates with one phone call. Hi, I'm Lori Sell. And I'm Susan Morrison. We are independent agents. We represent over 20 of the top-rated insurance companies. Call us at Shepard Insurance today, 928-445-4600.