My parents went with American Family Insurance so when I turned sixteen I also went through the same agent.  Our agent had known our family for about twenty years, we called him by his first name he knew all about us and we knew all about his family.  From the time I was sixteen to when I was twenty nine I had gotten one speeding ticket, get side swiped (not at fault the other car had ran a red light), and hit a deer.  I have always had a pretty clean driving record and I always paid my insurance in full for six months well in advance.  I recently purchased a house and called my agent...