Hi /r/insurance, I read in another post that the best way to shop for car insurance is through a local independent insurance agency as they are most familiar with the best prices.
However, I'm worried that it might cost more to go through an independent agency as they'll tack on fees. Am I right to be worried? I'm currently in California for context.
Will using an independent agent cost more on insurance?
byu/LosslessQ inInsurance
Posted by LosslessQ
4 Comments
No. They get commission from the insurance companies and it may even be cheaper than on your own.
Using an independent agent can actually be a smart move, especially if you’re looking for personalized advice. I used an independent agent recently while juggling student loans and a tight budget. They helped me find a great policy without extra fees. It’s worth checking out since they can compare different options and get you a good deal. Just make sure to clarify any potential fees upfront.
I understand your concern. From my experience, using an independent agent doesn’t usually cost more in terms of insurance premiums. They often have access to multiple carriers and can find competitive rates for you. They might earn a commission, but this doesn’t typically mean higher costs for you. I’ve used one before and found it helpful in getting the best deal. It’s worth talking to a few agents to see what options you have.
Using an independent agent might seem like it costs more, but it often doesn’t. In my experience, having an agent can actually help you find better deals and save money in the long run. They’re familiar with various policies and can match you with the best options for your needs. I’ve found that the personalized service and expertise they provide are worth it. It’s worth giving them a try to see if they can offer you a better rate or coverage.