Learn more about auto insurance agents in our frequently asked questions, which come straight from readers like you.
Is auto insurance cheaper through an agent?
Auto insurance isn’t necessarily cheaper through an agent. Buying auto insurance from agents or online can garner you the same rates and discounts, which vary depending on the provider. But while auto insurance premiums aren’t cheaper through an agent, buying insurance from an agent is free, unlike buying insurance from a broker.
What does a car insurance agent do?
A car insurance agent sells insurance to clients and advises them on the proper policies. Car insurance agents also serve as a point of contact for clients, helping them with claims and upgrades to their policies.
Is it worth it to use a car insurance broker?
It may or may not be worth it to use a car insurance broker, but if you want to shop a wide variety of policies or buy hard-to-place policies for something like long-haul trucking, it may be worthwhile. However, if you want to avoid paying a broker’s fee, which could be around $250, then you should use an insurance agent instead.
Does it cost more to go through an insurance agent?
No, it doesn’t. Insurance agents get commissions from the insurance provider you go with. Insurance brokers, on the other hand, cost more than agents, as they require broker’s fees.