when you are filing a claim you will be glad if you can do so in an area in which you live and this will be ideal for most people that want to be certain they are getting the best insurance at a price they can afford and the fact that it is in their city is great as well.
it can be a lot of a hassle if you have to spend a lot of time chasing around town to file a claim or track down your agent. when you have someone in your home town, it can make it much easier. 