Independent Insurance Agents: Why use an Independent Agent? Buying Insurance is an important decision. By using an Independent Agent to assist you with the process, you gain a representative who offers valuable expertise in all aspects of the Insurance transaction and is legally and ethically bound to work in your best interest. An Independent Agent can: • Interpret and counsel clients about the contract related to the transaction. • Compare your insurance rate with several companies rather than one or maybe two companies. • Advise the client on what the insurance policy does NOT protect against. • Handle claim issues. • Inform clients about their rights and obligations.