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Yeah, I don't doubt that. They might have low rates, but they lack the personal relationship that an agent provides. Some people are only concerned with price, but many see the value of dealing with someone they know, like, and trust.
Then they better start walking the walk.
I have yet to find a local agent who does anything more than a call center.
In fact, I have yet to find a local independent who will return a call. Unless you are a commercial account, don't bother them. Only captives seem to want PL business, but even they offer nothing more than what a call center would do.
I'm all for using agents and local agents if you can. But there actually better be some reason beyond just shop local.