It’s always nice to have someone help you save money, especially when it’s in their best interest to do so. Independent agents are there to help you, and usually they can do this by giving you the best coverage for the least amount of money! They want to keep your business for when you have to renew, due to this it is not in their interests to push insurance products that are of no use to you or your checkbook.
Outside of just price, independent agents have a vast understanding of the way different companies work, so they can lend insight to the claim process with each company. This might be an important factor for some and this can be a valuable tool in your search as well!
A captive agent may steer you towards a certain product knowing that you will probably come back if you are exhibiting that level of loyalty to go with a single company in the first place! Avoid that conflict of interest and go with an independent agent in order to be good to yourself, your assets, and your wallet!