I keep getting adds for cheaper insurance. Saying that most of my premium goes to the agents commission? If I enter my information I get flooded with emails, txts and voicemails!
Is there a true deal to be found?

What type of insurance ? I know for auto it seems like every 4 or 5 years when we shop around we find thr same coverage cheaper with somone else and typically change. There has become a pattern.

At your age old buddy, AARP should be able to help you out.

On auto we have had the same agent for over 10 years. I have never met him. A call gets coverage, as a matter of fact he called me today because I called Saturday. He is insuring a car we have for sale for an extra couple weeks while it gets sold. Service is worth a few extra bucks. This is a State Farm agent.

wws

They sucker u in then raise the rates . The one thing u can control with insurance is the deductible

I don't care who you have coverage with, every six months , they raise the rates.
So every six months I shop around.
I carry full coverage and road side assistance , under $300 for six months.
Same company wanted to raise it $ 60 , so I searched, same company , got it even cheaper than before.
It's a pain, but from $ 600 every six months to under $ 300, I think it's worth it.

Thanks folks

You can trust me on this: the agent does not get the majority of the premium on property insurance.

I found years ago the agent is the most important thing. All mine are retired or dead. Today in this time and age. Repair costs or so high that a nice truck they look at there blue book check prices and just total the vehicle. Not knocking anyone but that’s the way I see it. I got ….. over the years and switched but they are all about the same. Just bundle to get best rates and just figure it is what it is in this day and age.