People often refer to their agents as “My agent.” Nothing could be further from the truth. The agent works for the insurance company. That is why they are called insurance agents not customer agents. Inside insurance companies are referred to as producers. Insurance agents are paid by the insurance companies; their pay is based on the money they send in and the losses that go along with it. As soon as you have an accident you are affecting their pay. Some differences do apply to different companies. Ask your agent how he gets paid and you will get a better insight to where his concerns lie. Also, most agents must meet a certain quota to continue selling insurance for major insurance companies; you may get a policy with a company to meet a quota, not because it is a good value for you. A good agent will be your best defense against bad insurance companies and being under or over insured. A bad agent will sell you what he or she wants based on a commission with no regard for your needs. Choose an agent based on their reputation, reputations are earned not bought. Don’t be fooled by thinking all insurance companies are the same, unless you do homework you will not know how well your choice is until you have an accident. Ask your chosen body shop what insurance companies are good, they deal with them every day unless you get in accidents weekly, you don’t.