Multi-rate quotes are not ALWAYS the cheapest quotes, if you are shopping based on price alone.
What you should really concern yourself with is
1. How are they rated? - Are they financially secure to pay off if I need them?
2. Are they really knowledgeable about the type of insurance? - Most agents who sell automobile and home owners, are not as up-to-date as someone who just does life. It isn't because they don't try, but a person should find their niche, and focus on becoming an expert in that field, instead of trying to diversify, and not really covering all bases adequately.
The best solution is to shop 'by category', instead of putting all of your eggs in one basket. Diversification is good for more than just investments.
