i dont know how many do this. i am doing it for my family for years now. and i have a lot of friends who do the same. MSIG used to be fussy with giving discount (but all accept walk ins!) but now they also give full agent comission as discount. only thing: if got claim you'll have to talk to them. but thats no problem - their claims ppl are nice and help you through. did a few claims before, never any major issues (again MSIG was very fussy in the beginning but it was a huge claim too). MCIS was especially curteous and they ended up paying more than what i would have asked for after their adjuster visited and upped my claims now about that i dont complain. personally i dont feel/see the need for an agent if i know what i want to get and i can save at the same time