Are you really sure how each coverage you carry protects you and that you have the correct amount of coverage? If someone damages your car, should you file a claim? Will it impact your rate at renewal? Should your child have a new car, or older? A bigger car or a smaller one?
Professional advice is needed to ensure you are properly protected. Lastly, an advocate to assist you when the insurance company does not agree with how to handle your claim. Your agent is an indispensable part of a properly established insurance portfolio.
Remember, when you buy the cheapest insurance, you get what you wanted. Cheap insurance with minimal coverage, and oftentimes you are alone at claims time.