 Loading the kids in the car, brokering peace in the backseat, mastering the snack handoff without even looking. Why are simple things sometimes so complicated? Thankfully, with auto owners, insurance doesn't have to be one of them. We work with independent agents who keep insurance simple so you can worry about more important things, like figuring out what's growing in that cup holder. That's simple human sense. Ask Nierman Associates in Boone County if auto owners make sense for you.