A: A SR22 insurance agent is someone who can look at all of your needs and characteristics, and seeing these find the car insurance company which is best for you, in some cases. In all cases, however, an agent is someone who will handle your insurance business for you and with whom you will do all of your car insurance dealings, unless you buy your insurance direct. There are two types of agents.

• Captive agent.

A captive agent isn’t very useful to people who are shopping around, but can help people who have already decided what company they want to buy their insurance from. A captive agent only works for one company, and can handle your insurance dealings with them, but if you change companies you will have to get a new agent.

• Independent agent.

Independent agents work with around five or six companies, usually. Agents like these can choose among quotes for the best ones and also do everything a captive agent does. If you want to change your insurance company, you can do so without having to find a new agent.