 So you call your virtual insurance company to ask a simple question about your policy, but now you're on hold listening to this music while you wait and wait. Auto Owners works with local independent agents who tailor coverage to meet your needs and pick up the phone when you call because you shouldn't be on hold so long that you memorize the music. That's simple human sense. Ideal Insurance, your independent insurance agent serving the Valley for over 40 years. 602-938-7579.