An independent agent is someone who is representing several insurance companies and can shop around while remaining in-house when making a pricing decision for a customer. Due to this independence, an agent in this capacity is able to make objective decisions when it comes to which policy to choose for their client.
With this choice to choose, the best interest for the client is usually always taken, so for example if your rates go up and you have an independent agent you can shop around for a better rate with many different companies if you want to keep the same amount of coverage. There’s a huge upside to this in if you have a great relationship with your agent, but not with your insurance company due to a botched claim. If that happens you can just get coverage with another company through your trusted agent!
Like a candy shop there’s many different options, shouldn’t you be able to choose what you want and who makes it?