We live in a world where you can buy almost anything online in minutes. Insurance is no exception.

But just because you can shop for insurance on your own doesn’t mean you should.

In a recent video, CEO Jay Mueller touches on something we see every day: insurance isn’t necessarily complicated, but it is convoluted. And that distinction matters.

The Myth of “Going It Alone”

There’s a common belief that buying insurance directly online automatically saves money. In reality, that’s often not true.

What we see more often is this:

  • Coverage that looks right, but isn’t

  • Important exclusions buried in the fine print

  • Limits that haven’t kept pace with real-world costs

  • No one advocating for you when something changes or goes wrong

The issue usually isn’t price. It’s confidence.

Nobody Does Important Things Alone

Think about anything meaningful you’ve accomplished in life. Chances are, you didn’t do it without help.

That’s true for health, finances, careers, and yes, insurance.

Insurance decisions don’t happen once. They evolve as your life or business evolves. Having an advisor means you’re not navigating those changes on your own.

What an Advisor Actually Does

Our role isn’t to push a policy. It’s to:

  • Evaluate the market on your behalf

  • Compare options across multiple carriers

  • Make sure coverage matches your real risks

  • Adjust proactively as things change

  • Be there when questions or claims come up

That work happens behind the scenes so you don’t have to live in the details.

The Real Value Is Time and Trust

You can spend hours shopping for insurance online. Or you can lean on someone who does this day in and day out.

The goal isn’t just the right price.
It’s the right coverage, with someone in your corner, so you can focus on what matters most to you.

If you want to understand why having an advisor matters, Jay explains it perfectly in the video below.

🎥 Watch the video

Thinking about buying insurance online?

Before you click “purchase,” let’s make sure it actually protects you.

At Camargo Insurance, we evaluate the market for you, explain what matters, and help you choose coverage with confidence.

Schedule a quick conversation and let an advisor do the heavy lifting.

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