Dan was able to beat my current rate I had with LIberty Mutual. He was able to give me a very competitive rate. I shop for insurance at least once a year to make sure I am always getting a good rate and no other agent can give me the rate that Dan is able to. I was getting a state discount rate through LIberty Mutual where it was a payroll deduction. I thought I was getting a good rate but when you compare the yearly rate I was paying to what Dan quoted me he was able to give me the exact same coverages with a low deductible for $580 less than what I was currently paying. That is a savings right there, I can now use that savings I would normally pay a month to Liberty and actually buy some life insurance. Call Dan, what I like most about Dan is that he treats me like a human being, doesn't just sell me insurance or treat me like a number, he treats me a like a person and offers me the best that suits my needs as if it was for himself. If you want a local person, with a local office instead of a 1-800 number call Dan.