Carrier access
Argo Insurance (Independent Agency)
Multiple markets when the file fits
Captive Agent
One company
Direct Online Carrier
One company
Document review
Independent vs Captive vs Direct Insurance
Use the document, deadline, and coverage tradeoff to decide which path fits before you quote.
Documents
Deadline
Coverage tradeoff
Before choosing
Have your declarations page, proof request, ZIP, and deadline ready if you want Argo to compare the next insurance step.
Which path fits?
I have a deadline
Use an independent agency when proof, lender, court, DPS, broker, lease, or COI wording is blocking the next step.
Open pathDocument review
Argo Insurance (Independent Agency)
Captive Agent
Varies
Direct Online Carrier
Limited
Renewal review
Argo Insurance (Independent Agency)
Available when requested
Captive Agent
Carrier-specific
Direct Online Carrier
Self-service
Local agent support
Argo Insurance (Independent Agency)
Captive Agent
Direct Online Carrier
Claim help
Argo Insurance (Independent Agency)
Captive Agent
Carrier-specific
Direct Online Carrier
Self-service
SR-22 / filing support
Argo Insurance (Independent Agency)
Captive Agent
Limited
Direct Online Carrier
Limited
Commercial proof help
Argo Insurance (Independent Agency)
Captive Agent
Limited
Direct Online Carrier
Limited
Document review
Argo Insurance (Independent Agency)
Captive Agent
Direct Online Carrier
Carrier access
Multiple markets when the file fits
One company
One company
Document review
Varies
Limited
Renewal review
Available when requested
Carrier-specific
Self-service
Local agent support
Claim help
Carrier-specific
Self-service
SR-22 / filing support
Limited
Limited
Commercial proof help
Limited
Limited