[legion]

The nice thing about the Agent set-up is that you have someone who has a financial interest in being in your corner. In your situation John, the agent knows that he can kiss 20 more years and probably about a dozen policies worth of premiums good bye if you get hosed.

The Progessives and GEICOs of the world don't have agents (I think those two don't have agents). Therefore, it is just you against the insurance company. There is no one with influence in your corner.