I hate the insurance carriers, but do find value in local agents that can sort through all of this.
Here is a caution with cheap rates. Most states have highly regulated the insurance industries, including their rates. When one provides a rate that is more than 5% or maybe 10% lower, you can be almost certain you have less coverage. Perhaps that's fine with you, but then you can't complain that you have a loss they don't pay on. A good agent can professionally explain the real differences in what you are buying.
Personally, I want the most coverage for the lowest cost, not just the lowest cost.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.