This is one of those cases when cutting out the middle man isn’t actually a good thing. A local insurance agent is an important ally you can rely on when navigating the often confusing world of insurance, where the rules are constantly changing state by state and company by company. It’s their job to understand and communicate the important points to you when you’re handed a contract that’s over 50 pages long. If there are any abnormalities or unpleasant surprises hidden in the fine print, your agent is equipped to find them and explain them to you.
Sometimes even more importantly, a good agent has access to the prices and packages of dozens or even hundreds of different insurance companies, and they can sort through them all to find you the best deal. With so many choices to compare, chances are an agent will be able to get you a better result that you could get yourself.
Read more about why it’s worth it to use an independant insurance firm here