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Generally speaking, insurance companies should provide the same pricing whether you go to them directly or through an independent agent. However, going through an independent agent has the added benefit of having a knowledgeable person in your corner who can help you choose the coverage that fits your needs as well as negotiate with the carrier to get the best value. Additionally, if the carrier raises premiums or decides not to renew your policy, you already have someone that is a familiar with your needs to find a replacement carrier, without having to start the process over with someone new.