The so called "agent" really doesn't have anything to do with the cost for the insurance. The cost is set by the insurance company. I have Progressive for homeowner's and State Farm for auto. As far as I know, the only two auto insurance companies who will offer more than $250K in auto liability insurance are State Farm and Allstate. They both offer up to $1 million. To me, $250K is not enough, and umbrella policies are too expensive.
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