re the rates from agents and insurance companies the same or different? 
The rate an insurance company charges and an agent charges is exactly the same in all states and all lines . I would suggest using an independent broker who is able to shop multiple companies to find you the best product premium ratio for your needs . Depending upon risk factors , every insurance company has a different premium depending on the product . An independent broker is able to sort through that and find your best option for your unique situation . 