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When an agent quote your insurance it's usually more time consuming and less thorough as they are limited by
companies they have. They probably want you to think that they have many companies but in reality probably just a few. Also,
bigger and blue chips so to speak are very selective in selecting agents so often times you never even get a quote from them.
There's
issue of direct writers who work directly with
public not through agents and generally speaking their rates are more competitive because
cost of doing business is less and they can pass on those savings to you. You'll be able to decide with your insurances quotes for California auto.

Learn more about california auto insurance and free quotes