There is something to be said for an independent insurance agent who has many insurance companies at hand.
Especially if they do a decent job at picking GOOD companies. Which is a potential problem, of course.

We have used the same agency for 20 years, two different agents because the first one retired. I get a call every 2-3 years to see if I want to get quotes from different companies. So far we've switched 3 times.
I also get a call if my company has increased my rate a lot. Got a call last year, she said every company jacked up the premium. A bad hailstorm and another bad windstorm will have that effect. ;-(

Whenever we needed to change/add/drop a car I just call our agent and she takes care of everything.

In the past I have used direct companies, GEICO, Allstate, State Farm. Had a devil of a time with Allstate getting ahold of them.

Berkshire Hathaway FAQ

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