Whenever I speak with a client I often get asked to do an "apples to apples" comparison of their insurance. What I am basically being asked to do is to trust another insurance agent's work. Not all agents are created equal. I don't work off of another agent's policy because I don't know if the coverage fits the client's needs. What I do instead is a comprehensive breakdown of coverage options and let the client choose what they do or don't need. Then discuss price and explain that even if the quote I presented doesn't offer cost savings, it includes what they need where their other policy did not. Nobody ever brags about saving $20 per month on their insurance at the time of a loss. They just want their home, car, motorcycle, etc... fixed when they need it.