A long time back, after the first time I used and was burnt by an online insurance company, I sought out and used a hyper local independent rep. They found me insurance that was cheaper the place I came in wanted them to buy for me, but of course by the time I looked around myself a couple years later, I could find plenty of online places that were cheaper still.

Plus, they moved their office from in my neighborhood to a town 30 minutes away, presumably closer to their house and with lower office rent. When I called to cancel and was asked why, I told them that I wanted a local agent and they weren't local anymore, and the secretary just said "yes, I understand" with a resigned voice and processed the cancellation.