Insurance is complex, to say the least. Few consumers understand the difference between competing products and few can determine what they need to be adequately protected.
Those who buy insurance online may well not be getting the coverage that they need. Those who buy insurance from a captive agency (sells insurance from only one carrier) are not getting competitive pricing and they may not be buying the best insurance for all of their needs.
As already mentioned, an independent insurance agent should identify your insurance needs, develop a plan for you, obtain competitive pricing and keep you informed of any regulatory changes as they take place. Your independent agent should also keep you from making any of the mistakes that we’ve been talking about!