Don't trust the financial protection of your family to an insurance agent who is not a specialist with automobile insurance. Listen, insurance is a huge industry. There's insurance for everything. Anything you can have, do, own, manage or whatever - there's insurance for it. And nobody can specialize in all of it.
Insurance is a very technical business.
Policies, coverages, endorsements, exclusions. I'll tell you why. Because I've built my business on my reputation. I find that the more I give away, the more comes back to me. I never hard sell insurance.