Can an independent insurance agency find better home and auto bundle options than a single insurance company?

In most cases, yes. An independent agent can quote your home and auto bundle with several carriers, which usually turns up the most competitive rate. In some situations a single company is the better fit, and an independent agent can tell you when that is the case.

Key Takeaways

- Independent agents compare bundles from several carriers at once.
- That usually produces a more competitive rate than one company's quote.
- Sometimes a single carrier is the better choice, and an agent can show you why.

In most cases, yes. An independent agent can quote your home and auto bundle with several carriers, which usually turns up the most competitive rate. In some situations a single company is the better fit, and an independent agent can tell you when that is the case.

Why more carriers usually means better options

A captive agent or a direct insurer can only offer one company’s products and prices. An independent agency works with multiple carriers, so it can see which one rates your home, cars and drivers best and which one has the coverage options you need.

When one company is the right answer

Sometimes the best fit is a single carrier, for example when it offers a specific coverage you need or a strong rate for your particular home. A good independent agent will tell you so rather than move you for the sake of it.

How Hicks Insurance can help

Hicks Insurance works with 14+ carriers, so we can compare bundle options for your household and recommend the one that fits. Request a quote.

Have more questions about our insurance?

Give us a call today and we can help.

Have more questions? Browse FAQs by type.

Local Mokena Insurance Agency
Always Here For You, Wherever You Are
Hicks Insurance Group provides home, auto, life, and commmercial insurance services throughout Illinois including Mokena, Joliet, Orland Park, Tinley Park, New Lenox, Frankfort, Chicago, Naperville, Oak Lawn, and Cicero as well as the counties of Will, Kendall, Grundy, and DuPage.
Still have questions?
No worries - we're here to help. Get the reassurance you need and contact us today.
© 2026 Hicks Insurance Group. All Rights Reserved.

Website Made By Aelieve Digital Marketing

Privacy Policy & Legal
Get Your Personal Insurance Quote
In need of anything from car insurance to rental insurance? We have you covered.
Get Your Commercial Insurance Quote
Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.
Get Your Personal Insurance Quote
In need of anything from car insurance to rental insurance? We have you covered.
Get Your Commercial Insurance Quote
Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.
Get Your Personal Insurance Quote
In need of anything from car insurance to rental insurance? We have you covered.
Get Your Commercial Insurance Quote
Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.
Get Your Personal Insurance Quote
In need of anything from car insurance to rental insurance? We have you covered.
Get Your Commercial Insurance Quote
Ready to get started with your Commercial Insurance plan? You're in the right place.
Get Your Life
Insurance Quote
In need of anything from disability insurance to long-term care? We have you covered.