Regarding 'sweetie1859"s posting.
SIAA certainly is one of the larger "cluster". The reason I did not join them is the charges they will hit you with should you need or want to break free from them. . . . . It's a great "pre-nup" for THEM ! ! !
Be sure to check that out BEFORE you sign on, if you can live with it (perhaps when things are already going poorly) then go for it.
Even the worst Independent is better off than the Captive ! ! GOOD LUCK ! !
I'm Considering Opening an Independent Insurance Agency
Moderators: Josh, independent guy