Why should I buy insurance from an agent rather than directly from the insurance company? 
The simply answer is that an experienced independent insurance broker works for you and your interests for free . We have access to multiple carriers and can shop unbiased for your best option to meet your unique needs . If you purchase direct from an insurance company , you get one best option and chances are not your best option . The companies you are familiar with advertise and market heavily . That cost is passed on to you as a consumer . Brokers have access to companies you are not familiar with who do not have large marketing budgets and ultimately have more affordable premiums for the same coverage . 