We are an Independent insurance agency located in Carrollton which differs greatly from that of a captive agent such as Allstate, State Farm, Farmers, etc. A captive agent has only the rates of that one individual company to offer his customers as opposed to an Independent which can offer the rate of many different companies.
This is important because all insurance companies go through times when they sustain losses and have to dramatically increase rates. When this happens The Mike Leonard Insurance Agency searches the marketplace for a new company with lower rates. The captive agent can’t help you with a new company because they are contractually obligated to write and renew every customer with that company.
Hints on Shopping for Car insurance and House insurance

