"Victor J. Osborne, Jr." wrote in message ...
If you live in TN or close by, I'd call D.R. Cox for a quote. They beat all
others by a good amount. On the one (really big) claim, the brokered
company came thru in spades. They also did not raise the rate. FWIW.

I'm not sure how that is possible. Every agent is quoted the exact
same amount on a policy. In fact, once you get an agent to quote you a
policy, the insurance co's will refuse to quote you for any other
agent. They claim its a waste of time since they already quoted you.
The agents are no direct charge to you, the insurance co kicks them
back a fixed percentage. Its a very non-competitive market. The only
time your agent really makes a difference is if you are hard to insure
and the insurance co's are refusing coverage or if you've just had an
accident and want the agent to represent you.

-Robert