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Keel vs. buying insurance direct

Buying straight from a carrier (or its website) is fast, but you only see one company's price and you're on your own to pick coverage. Keel is an independent agency: we shop multiple A-rated carriers for you, and a licensed producer reviews the coverage before it binds — and it doesn't cost you more, because we're paid by the carrier, not you.

Keel
Buying direct
How many carriers you see
Multiple A-rated carriers, compared for you
One — whichever carrier you went to
Who picks your coverage
A licensed producer reviews it with you
You, on your own, from a web form
What it costs you
The carrier's premium — no markup
The carrier's premium
If you have a question
Text a real person; a licensed producer signs off
Call center, often a different rep each time
Switching at renewal
We re-shop the market so you keep the best rate
You'd have to start over with each carrier
The bottom line

If you already know exactly what you want and trust one carrier's price, direct is fine. If you'd rather have the market shopped and a licensed human check it — at no extra cost — that's Keel.

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