Saving money is a big deal for pretty much everyone these days. So, it's important to find the best rate for your car and home insurance. The good news is that it's way easier to find great insurance rates now than ever before.

In the past, you were stuck with whatever insurance your agent could find for you. But around ten years ago, almost all insurance companies started offering their products online. That made people feel like insurance experts, handling their own policies online. That's not a bad thing in many cases, but there are some downsides to dealing directly with insurance companies.

A lot of insurance customers don't really know what kind of coverage they need. They just go for the cheapest rate without considering the consequences. That's all fine until they actually need to make a claim with the insurance company.

That's why it's still better to work with an independent agency to get insurance. An agent can help you get the coverage you need at a price you can afford. Plus, there are now many agencies that have cool features to make things even easier. For example, sometimes you can compare insurance quotes online.

Using one of these tools to compare quotes is much better than visiting each site yourself. It's like comparing apples to apples. So, you're not only paying the least amount possible, but you're also getting the coverage you need. Take some time to research your options and then choose an independent agency that'll make things easy for you and save you money too.