In the interest of learning from "regular Joe" insureds across America their thoughts and opinions on the insurance experience, NU asked a sample of carrier customers—our friends and families—about the decisions that factor into their purchase decision (price? advertising?); whether a relationship with an insurance agent is important to them; whether they were satisfied with the way their carrier handled their last claim; and if they've actually ever read their policy, among other questions.

Here are their responses.

Russ Drafahl, 52

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