When it comes to protecting your home, vehicles, and family, choosing the right insurance partner matters just as much as choosing the right policy. Yet many consumers don’t realize there are two very different types of insurance agents — independent agents and captive agents. And the one you choose can have a major impact on price, coverage, claims support, and long‑term value.
At Pro Insurance Group, we’re proud to operate as an independent insurance agency, helping families throughout Elgin, Huntley, the Fox Valley, and across Illinois find the right home and auto protection without the headaches or bias that often come with captive carriers.
Here’s what homeowners and drivers need to know — and why independent agents consistently come out on top.
A captive agent represents only one insurance company (examples include State Farm, Allstate, Farmers, etc.).
They’re restricted to selling one brand — which means one pricing structure, one set of underwriting rules, and limited flexibility.
Independent agents, like Pro Insurance Group, partner with multiple insurance carriers.
This gives you access to:
Independent agents work for you, not for one insurance company.
This is the #1 reason Illinois homeowners and drivers switch.
Captive agents have one rate to offer — if it goes up, your only option is to pay more or start shopping on your own.
Independent agents compare dozens of top-rated carriers, helping you find:
In a rising-rate market across Illinois, having options matters.
Captive agents often follow strict company guidelines and preset product bundles.
Independent agents build policies based on your lifestyle, your home, your vehicles, and your risks.
This means more flexibility with:
Your life isn’t cookie-cutter. Your coverage shouldn’t be either.
Captive agents cannot move your business — if your carrier raises rates, you’re stuck.
Independent agents can:
…without you ever needing to start over.
This keeps your premium competitive year after year, even when the market shifts.
With independent agents, you’re not calling an 800 number or dealing with call center turnover.
Families across Elgin, Huntley, St. Charles, South Elgin, and all of Northern Illinois choose independent agencies for one reason: relationships.
You get a team that understands:
Insurance is local — your agent should be too.
Captive agents ultimately work for the carrier.
Independent agents work for you, so they help guide and support you through claims.
This means:
You’re not alone — especially when you need help most.
Independent agents can find carriers that specialize in your situation:
More carriers = more discount opportunities.
Pro Insurance Group combines the flexibility of an independent agency with the experience and service homeowners and drivers want.
We offer:
Our clients get better options, better service, and better long-term results.
If you want lower rates, better coverage, or a second opinion on your current policy, our team will compare options across multiple carriers and show you where you can save.
👉 Request your free home & auto comparison here:
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Or call us in Elgin or Huntley anytime.