Insurance agents work with multiple insurance companies, so they can compare rates and coverage options to find the best policy for you at the lowest cost.

Insurance agents are knowledgeable about the various discounts that insurance companies offer, such as safe driving discounts, multiple policy discounts, and discounts for installing safety features in your vehicle or home. They can help you take advantage of these discounts to lower your insurance rate.

An insurance agent can review your current policy and recommend adjustments that can help lower your rate. For example, increasing your deductible or lowering your coverage limits can reduce your premium.

Insurance agents can help you assess your risk and identify ways to mitigate that risk. Taking steps to reduce your risk can help you qualify for lower rates.

If you have been with your insurance company for a long time, your insurance agent may be able to negotiate loyalty discounts on your behalf.