Everybody loves an underdog story. From David and Goliath to The Little Engine That Could, from Rocky to Rudy, those who prevail against overwhelming odds provide endless inspiration in our daily lives. I still remember where I was for the "Miracle on Ice" at Lake Placid in 1980. Nothing stirs up our hopes quite like the mouse that roars.

To me, the independent agent represents that same kind of pluck and tenacity, and it's one of the reasons I'm so fiercely committed to this channel.

In a recent research study, Safeco Insurance found that the distribution of auto insurance, by channel, was unchanged over the last five years. No change may seem like no news, but consider this: during each of those five years, the big, direct-to-consumer carriers spent a combined total of about $6 billion on advertising. And yet this collective roar took virtually no ground at all from the independent agent — not even enough to register beyond the margin of error.

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