When shopping for auto and homeowner’s insurance ask yourself what really matters. Is it about price, brand familiarity or quality service and claims handling. As an independent insurance agent, I come across it very often that people are surprised how buying insurance through an agent is as cheap or cheaper than buying directly through the internet or an 800 number. They are even more impressed when they find out the financial strength and great rating of these companies and length of time in business. Quality, service and price equals value and independent insurance agents have many options to meet your needs. Ken M.