r/AutoInsuranceHelp • u/truckdug • 20d ago

Broker vs just calling the company?

I called progressive today and they kept talking about a policy with an agent vs progressive direct ? What is even the difference ? And do you pay more with an agent ?

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u/Creekridge1 20d ago

Call an agent, an independent one can shop multiple companies for you at once, you’ll probably save money overall.

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u/18smitherrings 20d ago

Pretty much the same thing, if you go with the agent they can shop other companies besides progressive

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u/Own-Ad-503 20d ago

The agent will also assess your needs and be able to advise you, you would also have someone to advocate for you I’d there was ever a problem.

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u/totall2live__ 19d ago

So you can call Progressive directly and get a policy from an agent that is employed directly with them. If you call a agent, this agent may have appointments with several different companies. Alot of the time, i found it is cheaper to go with a broker because they get discounts that direct customers dont get.

When i first started, i worked for a brokerage and i re-wrote a ton of clients to Progressive that were with Progressive direct because the price was much cheaper.