As an independent insurance broker, our job is not to sell you insurance but to help you buy it. Looking for the most competitive product is important, but making sure you have the best coverage to suit your insurance needs is more important. . The fact is, when any person makes large financial decision like buying a car, home, or starting a business, settling for the cheapest price would be ill advised at best. It is important to explore all your options, and that is what we do for you. Yes we are taught the value of bargaining from a young age, and the lesson really sinks in as we reach adulthood but making sure you get the proper advice is also a lesson we are taught.