While Cost is important when purchasing insurance, it should not be your only Concern - Coverages, Credibilty, Complaint Ratio, Claims Experience and what Carrier should also be Considered. That is a lot of C's I know. It is so you can see for yourself. NOT ALL POLICIES ARE THE SAME. As an independent agent we represent dozens of companies and have the flexibility to find the right combination of cost, coverage, credibility and carriers to meet your needs.