If you were born before 2000, you might recognize the value of consulting with a professional agent with decades of experience like me. Agents selling insurance have been around for a century or more. Some have been harmful agents; most have been good. If buying from an agent doesn’t cost any more, why wouldn’t you? You can still download the app to your phone, log onto your account online, and call the company directly after the policy is in force, but at least you know you have been offered the proper limits and coverages when you do.

Just like going to the department store to try on an article of clothing before you go home and buy it online, feel free to call me to decide what coverage you need before calling the direct insurance company. At least I know that if you hit me with your car, you’ll be adequately insured, and my bills will get paid.