Will insurance rates vary between agents in the same company?

    This is a question many agents are asked from clients looking for a better rate.  Often this question is asked because the customer may be comfortable with a specific insurance company but may not be sure if the agent is giving them all the discounts eligible to them.   Here at Mr. Quotey this also is a question asked to us regularly.  The simple answer to the question "do rates vary between agents with the same company" is NO.  With any major insurance company all agents are using the same system to generate a quote or policy for the client.  This would be like asking if the same fast food restaurant down the street offers a better price on the same hamburger? Ah... No.  If you are getting quotes from two different agents and coming out with two different prices and they are with the same company, here is what to look for in the pricing to decode the difference.

First, start with comparing the coverages between the quotes.  Often agents quote very different limits of liability even within the same company. Some may quote state minimum while others make a personal choice to quote every customer with higher limits.  Second, just ask the agent what discounts you are receiving.  Sometimes the agent has not asked enough questions to know all the discounts you might be eligible for.For example:  whether you are a homeowner, billing preference, multiple cars, and also your profession.  Refer to my earlier post of "Ten best ways to save on car insurance".  Finally, if you feel that the agent is having trouble or can't explain your rate in simple terms, simply move on to another or just use a service like Mr. Quotey to receive and review multiple quotes with one easy click.

Mr. Quotey