She makes a commission from the insurance company - while they have their own employees, they also have brokers who are essentially freelance agents who make work for one or more insurers. It's advantageous to the insurer because they don't have the overhead of a full time employee or other taxes like unemployment or workers' comp. It's advantageous to the broker because she can work for more than one insurer (and ideally offer you more choices) and she can make her own schedule.
She knows that she's not going to make a sale every time she goes out to meet with people. It's not different than a car salesperson or a vacuum cleaner sales rep or a Mary Kay seller who makes money only with the sale. She called you - that's part of her job. But if you are renewing with her, she gets a commission for that whether you switch to another plan or not.
You don't have to feel badly - in fact, you shouldn't. You gave her a chance, and she (or the companies she represents) didn't have the plan that suits you. End of obligation. If you want to let her know what features and prices you stayed with, that may be helpful to her, but she mostly likely wants to move on to the next prospect. Everyone in sales understands that you have to get a bunch of "No" answers before you get a "Yes". It's part of the industry.