The relationship between agents and insurers is fraught with drama, with much of the implied dialogue sounding like a soap opera:

Agent to insurer: You’re too demanding! I need to retain my own identity! You don’t give me enough support!

Insurer to agent: I’m just another one of your pretty faces! I give you everything and what do I get in return? Meet my needs or I’m dumping you!

But something has changed: the buyer. Through social media, the Internet and direct writers who make things easy, homeowners and auto insurance customers can comparison shop and purchase coverage as quickly and easily as buying shoes on Zappos.

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