HELP with CAR INSURANCE!!! ASAP!!!!?

Question

I have Progressive Insurance thorugh a broker, would it be cheaper if i iliminated the middle man and delt with progressive myself and will I be able to that?

Answer 1

Can you?  Sure, you can ask Progressive for a broker of record letter.  Will it save you any money?  They've always told me, no, it won't - they've always told me the agents get the same rates as the direct customers.

Answer 2

Um...YES, I mean I would think so.  why would you use a middle man. I have full coverage from Progressive and I pay $120 a month on a 4 door sedan. It at least wouldn't hurt to call huh?

Answer 3

When I had my agency, I represented Progressive. One day a lady came into my office to make her premium payment. I tried to pull her up on the computer, but could not access her account. I asked her who her agent was, and she told me that it was Progressive Direct. I told her that I was sorry, but there was no way I could accept her payment, because I had no way of reporting it, unless she requested the transfer of her account to my agency. She declined to transfer.

This lady wanted to have her cake and eat it too. She got a discounted rate for going direct, but she still wanted to be able to pay it at a local agents office.

Personal service is worth the difference.

Answer 4

The answer is no, I deal with alot of companies that also direct write and you save none. The commision the broker makes is for service and convenience that you can call us not a large company that you will never matter to. Yes it seems better but remember even if you go direct someone still has to do the paper work, brokers just do the grunt work so a company can have one Underwriter to oversee a large base of broker based accounts. Remember you get a quote online it might be to good tobe true. A quote is a quote not a guarentee. I would always stick with a broker someone who will remember you and actually do the dirty work for you. hope that helped