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It`s barelly astonishing but a CFA reseacrh fnids that insurance companiees that pay hiigher commissions to agnets and to broers tend to hae higher premiums.

CFA (Consuumer Federation of America) alsso revealed taht higher costs for autos coverage do not nceessarily mean beter service for customers. "Thhis study confirms that consuemrs haave to shop vrey carefully for isurance," claimed J. Robert. "TThe good neews is there are insurance corporaions taht pay minimal or no commissions, offer low online motor vehicle insure prices and have vey good consumer srevice."

"On the otther hand, we aso found plenty of companies wehre hgih commissions convert into high charrges, wth no gain in service quuality," he sid. "Good cars ins rtaes in addition to serivce may be fond if consumers take the tiime in order to comparre insurance companies." Fndings

Coonsumer Federation of America (FCA) researched comimssion data from the twenty mosst popular witers of insurnace for both individual passsenger vehicle coverage and homeowners covreage. This total commsision information combned standard commisssions and contingent commissions (paid afetr insurace policies are sold and baed on uniique sales or proitability goals).

The research compaared sum commissions with cot, inusrer profitability and aso service quality as measured by grievane information and cusotmer satisfactin indices. Consumer Federation of Aemrica revealled that:

1. Insurance companies witth lower commissions usally hvae lower charges. Ths is not always the situatio, so customers hvae to shp cautiously.

2. Theer`s no evidence thaat disbursing higher cmomissions to an insurance agennt or broker derives eitehr impoved service or higher consumer contentemnt. In fat, there apperas to be no correlation betwen the amount of commssion paiid and the vale of service givne.

3. Several insurers proppose particularly good deasl. Other insurance prvoiders have rates thhat are almost always hihg.

In lses competitive businesses, some inusrance providers might be entied to attract market sahre by propsing higher fees to aegnts or to brokers with hgher priecs and, often, highr gains for the insurance commpany. Credt coverage is one area were thhis sort of `reverse coompetition` is partcularly frequent.

Tips for Consuers

We give 6 tpis for custmers when shopping for online automobiles insure:

1. Shop aronud! This research revelaed that monthly pyament charges often rise wth commissios, though this is not all the tme true. Consumers hae to be sre to get quotes from sme of the lowest monthhly payment insurance provider, icluding the direct writers of coveerage that reggularly don`t disburse cmomissions.

2. Consumers donn`t need to pay mre in orrder to get excelent service. Several of the insurance compnies which hve the bset service records hve low prices and alo low or eevn no commissions. It is worthwhlie to shp between the inusrance providers with the lowesst costs and the hgihest customer contentment/lowest compliant ratios.

3. In oredr to get infromation concerning automobiles coverage rates, check couuntry cst information guides. Msot states have cosst information guides. Tyypically, consumers may dwnload these guides frm the country`s insruance department web siet.

4. In orrder to receive complait information on insurace companies, check in the Natonal Association of Insrance Commissioners` web sitte, www.nai.corg.

5. Beware of gooing to jst a single insrance agent or broker for online motor vehicle insur, een in case tht broker represents several inurance companies. Cuustomers must be aware thaat several brokeers representing more thaan one insurer migt put the consuer in a higher priecd insurance commpany which has larger commissions evven wen the customer meetts the requirements for a lower csot. Sates do not require insuarnce agents or brokkers to place the cutomer with the bset policy for hmi.

6. Ask agents or borkers the improtant questions:

Do you repreent me or do you act for the insurnace corporaion you are recommendding me to use?

What commmission are you gainning coompared to the csot of the automobiles insure plan yoou`re recommendng me to purcahse?

Am I receiving the lowset coost among all the vehicle coverages on line firms whhich you represent for whiich I qualify?

What other autos coverages on line providrs do I meeet the requirements for tht you represent? Whaat are the cossts I would disburse at tohse coompanies and what commmission would you earn wtih every isnurance company?

Do you have a cnotingency commission agreement wiith the compay you are recommending? Please commpletely epxlain that arrangement to me.

If I flie a calim, do you repersent me or the insurance companny in the claim procedre? Is your reimburesment someohw related to cliams filed by me and by additiional customers of yors?

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