Why go local? You want to go local because the agent knows the market and knows the networks, doctors and pharmacies you deal with in your area. In short, they know the area well and will steer you right. That’s one good reason to deal locally. The other reason is because a large online provider may be stacking the deck to get business.
Some of the large online companies say they can offer you a quote suited to your needs. However, those carriers are actually paying the highest ad rates on that site to be allowed to provide insurance quotes. Basically what is happening is that the large online company is paying for leads. So where is the local service in that equation?