Most consumers enjoy going to the mall or their favorite store to shop whether they buy anything or not. However, purchasing car insurance is the equivalent of buying a product online where you cannot touch the product before it arrives. You have no way of knowing what you are buying, and you can only really rely on the reputation of the insurance company involved on the other side.  That is why you should work with auto insurance brokers that have experience in your area, because they already know who the best carriers are and can easily point you in the right direction. Why waste your time looking for the best insurance rates, when you can have a professional agent complete this task for you.  And in this fashion you will not miss any important features as well.  The agent will know which riders to include and the questions to ask you.