are you in Florida? This exam is one of the toughest in the country according to the management @ Progressive. Now Florida says anyone can pass out a card as long as they don't solicit insurance?!! I would rather be dealing with someone licensed as opposed to a minimum wage worker staring at a script who treats you as a number and does not go over coverage. Granted there's alot of licensed agents who do not care as well. They get weeded out over time.
You also need to remember that what is "the minimum full coverage" in Florida may not be what you need. Something like 1 in 5 drivers here is uninsured, but we don't require Uninsured motorist coverage.