One gets an insurance agent to look out for your interests and hopefully find you good value. I used them for years and didn't quesiton whether or not I was getting looked out for. One day, at renewal of my two policies with this company I was quesitoning some pricing. Oh. says the agent. I guess it would make good sense for you to have both policies with the same company. You'd save 10%. I said, why weren't you already doing this then? Say the agent, ""I only wrote you car insurance policy."" I didn't do them both. Which 1. Wasn't true. and 2. A terrible excuse and she got all hostile at me for even asking. Terrible place that only cares about ""making their commissions for no work on the clients part at all.