Automobile Insurance

22 Working with an Agent or a Broker In California, you can buy insurance from an agent, a broker, or an insurance company. You can get insurance quotes online, over the telephone, or by mail. • All agents and brokers must be licensed by the state to sell insurance. • When an agent or broker sells a policy, they get a commission from the insurance company. • Brokers charge an extra fee, called a broker’s fee. Ask what the fee is before you sign anything. Brokers’ fees are not set by law, so you can discuss the fee and ask for a lower fee. • Make sure to keep the receipts for your premium payments, especially if you are paying in cash. Choosing an Agent or Broker Choose your agent or broker carefully. Can you trust the agent or broker? Do you feel that they will put your interests first? You can look for agents or brokers in your local yellow pages or online. Or ask for names from family members, friends, neighbors, or co-workers. Ask: • Did the person take the time to fully explain your policy? • Did they answer all your questions? • How did they respond when you had a claim? • How often do they contact you to review and update your policy? Check the license: Check that the agent or broker is licensed to sell auto insurance in California. Go to www.insurance.ca.gov/license-status/ and enter the name of the agent or broker. Or call the California Department of Insurance at 1-800-927-4357.