Competition

To me competition is the best way to get the best price and best insurance coverage.  Getting multiple agents and multiple insurers beating each other like a cheap drum always results in good things for the insurance buyer.

Having only one agent who works with multiple insurance companies may be better than just renewing your current insurance.  However, true competition only exists when everyone involved in the bid process thinks they may lose.

The threat of loss is a huge motivator for insurers and insurance agents, as it should be.