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What kind of marketing? That's pretty vague.
If your independent, you can work wherever you choose. Be your living room, bathroom, or an official office.
You could find an agency that will you give you access to the companies for a commission split. You aren't going to find a direct way to the carriers without paying somthing or giving up some commission percentage.
Superior Access is a good way to go in getting started.
Sure you have to pay them, but 1 deal a month would pay for the fee...........
I would be more concerned at looking into your EO coverage......this is normally the road block for most new agents getting into the PC arena.
P&C is great base... but if you are only getting leats say 15% on the deal that really isn't bad... but what you should do is have a couple of strong carriers for disabilty insurance, life insurance..etc... let me know if you want to talk about this