Use an Independent Insurance Broker. An Agent represents only one insurance company. Some have different features. Use an Independent Insurance Broker to shop the market for you for the right coverage ,protection and price. Don't trust the financial protection of your family to an insurance agent who is not a specialist with automobile insurance.
Insurance is a large industry.
There's insurance for almost everything. Anything you can have, do, own, manage or imagine - there's probably insurance for it. Insurance is a very technical business. Policies, coverage, endorsements, exclusions. It has a language all its own.