When shopping for insurance, you’ll quickly notice there are two main types of agencies: captive agencies and independent agencies. While the terms may sound confusing, understanding the difference can help you make smarter choices about your coverage, savings, and service.

At Upstate’s Choice Insurance, we’re proud to be an independent insurance agency serving drivers, homeowners, renters, and businesses across South Carolina, North Carolina, and Georgia. But what does “independent” actually mean—and why does it matter to you? Let’s break it down.

Captive Agency vs. Independent Agency

• Captive Agencies: These agencies represent just one insurance company. Their agents can only sell policies from that single carrier, which limits your options if the price or coverage doesn’t fit your needs.
• Independent Agencies: These agencies represent multiple insurance companies. Instead of being tied to one brand, they shop the market on your behalf to find the right coverage at the right price.

Think of it like shopping at a store that only carries one brand versus a store that offers many. With more choices, you have a better chance of finding the perfect fit.

The Benefits of Working with an Independent Agency

1. More Options, More Savings

As an independent agency, we can compare quotes from several trusted carriers. That means you don’t have to spend hours calling around—we do the shopping for you. More options = more opportunities for discounts and better rates.

2. Coverage Tailored to You

Everyone’s situation is different. Whether you’re a new driver, a homeowner looking to bundle, or someone who needs SR-22 insurance, we can customize a plan that actually fits your lifestyle instead of squeezing you into a “one-size-fits-all” policy.

3. Local Service, Real Relationships

Because we’re local to the Upstate, you’re not dealing with a call center across the country. You’re working with agents who know your community, understand state insurance requirements, and care about protecting your family and assets.

4. Ongoing Support Beyond the Policy

Your insurance needs don’t stop once you sign up. We help with policy reviews, renewal comparisons, claims questions, and updates as your life changes. Our priority is making sure you stay protected—not just making a sale.

5. Advocacy When You Need It Most

If you ever have a claim or coverage issue, we’re in your corner. Because we’re not tied to one insurance company, our loyalty is to you, the client—not the carrier.

Why It Matters for You

Choosing an independent insurance agency means choosing flexibility, savings, and personalized service. You get the peace of mind that comes from knowing your policy was chosen with your best interests in mind—not the insurance company’s bottom line.

Ready to Experience the Independent Advantage?

At Upstate’s Choice Insurance, we’ve been helping families and businesses in Greenville, Simpsonville, and across the Carolinas find smarter, more affordable coverage since 2012. Whether you need auto, home, renters, motorcycle, or SR-22 insurance, our team is ready to shop the market for you.

👉 Call us today or request a free quote online to see how working with an independent agency makes all the difference.