A last resort, if you will ever need one, is to turn to the agency writers. Why? Because most likely, the policy will turn out to be one that is not low-cost. Agency writers are companies most often represented by independent agents given commissions higher than in other places. Usually, an independent agent represents six or more agency writers. Why are they such in good demand? Well, a good agent is a storehouse of invaluable advice and information. The knowledge that a good agent harnesses are the reason why people fall into the habit of asking them and buying insurance from them.