I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company’s 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it’s better to use an agent?

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Brian H asked:


Haven’t had a car accident in over 10 years, but I did have a spill on my bike ruled my fault recently. Will this affect my car insurance at all? It hasn’t yet, but I’m about to switch insurance companies and get a new car. I also no longer have a motorcycle.
Oh, I should add that this happened longer ago than I thought. Back in January. My car insurance has NOT gone up. I’m just worried that shopping for NEW insurance they’ll see it and it will affect things.

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car insurance
david H asked:


Have had a perfect driving record for 20 years, last week on my way to work, hit black ice, and car overturned in the ditch – car was a total loss. Do you think my rates will rise? No injuries or property damage, just a totalled car from the crash. Have been with the same insurance company with no previous claims the past 10+ years.

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