As an independent insurance broker for over 38 years I can tell you United Agencies is the cream of the crop in insurance representation. They are the Best in insurance. They are not a "carrier" or an "Insurance Company". They are insurance brokers and agents with relationships with many insurance companies, connecting clients with those various insurance companies. The previous comment of a gripe in determining mileage makes no sense to me. Ironically the commentor seems to have no knowledge on how insurance works. The insurance agent/broker does not determine what mileage can be submitted to the insurance company, the insurance companies create their underwriting guidelines. Most auto insurance companies request a photo of your odometer when you initiate coverage and every 6 to 12 months they request new photos of the odometer, then they determine your mileage by seeing the increase and basing mileage according to actual miles travelled. Oil changes are another method in which an independent third party can view and note your vehicles actual mileage and then the next oil change depending on the length of time in between oil changes can also determine the actual mileage during that driving term. Additionally, driving record, years of driving experience, vehicle usage, policy renewal discounts, vehicle type are all considered in pricing. Auto insurance premiums (and other lines of insurance) are based on factual data gathered about applicants not favorable or unfavorable speculation. United Agencies is highly regarded in the insurance industry. Yes, there will always be those clients who complain about unfairness, but overall my personal experience and knowledge about United Agencies has led me to believe that they operate in an friendly, ethical, efficient and professional manner. read more