By purchasing insurance from an agent you receive personal, one-on-one service. An agent with whom you have direct contact can be vital when purchasing a policy and helpful when filing a claim. Your local independent agent can provide you with immediate certificates, documents and answers to your questions.
It is also important to note that many insurance carriers offer direct policies as well as operate through independent agents, all under the same name. Please be careful! This does not mean that you get the same rate from the same insurance company. Often you find the price of the direct version of the company is more expensive than if you buy through an agent. Be sure to shop both and weigh the benefits before you make a decision. Ask yourself how much those direct insurance company television ads cost!