I see your point, but does local really guarantee fewer mistakes? I've had local agents mess up paperwork before—ended up costing me even more time an...

I've wondered about smaller insurers too—seems like they'd be easier to reach, but who knows if they're really better at claims or just friendlier on ...

That's exactly how I've been approaching it too. But I keep wondering—am I really disciplined enough to consistently put aside the premium savings int...