Which type of agent is better for Quotes Chimp? That will depend on the circumstances of each individual transaction. Exclusive agents can often beat the price of independents because of lower selling costs and other factors, such as different underwriting practices (see page 53). Exclusive agents may also have superior product knowledge since they sell only one line of goods. On the down�side, the exclusive agent may be more susceptible to the demand of the company for greater productivity (more sales). As in the army, bad news flows downhill, and the result may be high-pressure salesmanship aimed in your direction�with the em�phasis not on meeting your insurance needs but on meeting the agent's sales quota.