Independent agents are able to

Independent agents are able to provide personalized rate comparisons because they represent multiple insurance companies rather than being tied to a single insurer. This flexibility allows them to evaluate a range of policies and pricing options to find the coverage that best fits the unique needs and preferences of each client. By doing so, they can present different alternatives and help customers make informed decisions based on their individual circumstances.

In contrast to this, limiting their offerings to only one insurance company would restrict their ability to offer competitive pricing and diverse policy options. Working under direct oversight of an insurer would suggest a captive agent relationship, which is not the case for independent agents. Additionally, restricting their client base to only high-value clients would undermine their role in providing access to insurance solutions for a broader range of customers. Thus, the ability to offer personalized rate comparisons is what sets independent agents apart in the insurance landscape.