Worley, Schilling & Randall

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Using agents like Worley, Schilling & Randall is a much better, and cheaper, experience than going with the highly marketed big guys. I've used the agent Kelly here for years and the service is great. He finds the best plan for you from amongst many plans and frequently checks for cheaper plans over time as your situtation changes or other factors come into play that may allow for you to pay less for the same or better coverage. He also makes sure that you understand what you are covering and why so you won't be surprised when you go to make a claim and find that you aren't covered because you didn't opt for some random-sounding coverage when you filled out an online form at the big guys.

Especially because it doesn't even cost you money, and will probably save you $$$, there is no reason not to have an insurance expert looking out for your best interests. Especially if you can find honest, proactive agents like Kelly and the others here.