There are many factors that affect your auto rates. Some of the factors include but are not limited to: 1. Coverage limits and deductibles 2. Age, sex and marital status 3. Geographic Location 4. Vehicle use 5. Vehicle year, make, and model 6. Motor vehicle record 7. Previous coverage/continuous coverage 8. Consumer reports There are people that work for the insurance companies that all they do is review statistics and analyze them. All of this is taken into rating your polic

Insurance can be confusing for clients. I get it. I could not do your job and it is hard for you to understand mine. I'm going to try to make it clear for you. An captive insurance agent is an agent contracted to only sell for one insurance company. A Insurance broker is a licensed insurance professional that is appointed with multiple insurance companies. That means they can "shop" around for you. They can compare the different companies rates, coverage, etc to find the best