# Insurance company recommendations?

**URL:** <https://boards.straightdope.com/t/insurance-company-recommendations/838128>\
**Category:** In My Humble Opinion\
**Created:** [August 3, 2019, 7:22pm UTC](https://boards.straightdope.com/t/insurance-company-recommendations/838128 "2019-08-03T19:22:00Z")\
**Posts on this page:** 1\
**Page:** 2

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**Author:** ![Fotheringay-Phipps](https://avatars.discourse-cdn.com/v4/letter/f/d9b06d/32.png) [@Fotheringay-Phipps](https://boards.straightdope.com/u/Fotheringay-Phipps)\
**Post date:** [August 9, 2019, 1:32pm UTC](https://boards.straightdope.com/t/insurance-company-recommendations/838128/21 "2019-08-09T13:32:59Z")

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> [@TroutMan](#):
>
> An independent agent will have appointments with multiple carriers, while a captive agent (like Geico or State Farm) can place insurance only with their own company. I’m not sure that a choice limited to 10-50 carriers is really a downside compared to a choice limited to one.

[The fox knows many tricks; and the hedgehog only one; but that is the best one of all.](https://en.wikiquote.org/wiki/Archilochus#Fragments)

> [@](#):
>
> If you suspect that Geico might be cheapest, you can always fill out the application online for them and let an agent do the work for all the rest. You are still better off than if you tried to comparison shop them all yourself.

Agreed. Comparison shopping all of them is a nightmare. I was just objecting to the notion that you’re better off just turning it over to an agent, since some of the bigger/better/lower cost names don’t use independent agents. Geico in particular seems to be much lower cost for people with children, and it would be a mistake to overlook them by only using agents.

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