eryka asked:

I have 2 quotes for business insurance. One is based on payroll and one is based on sales. Comparitively, our payroll will increase more than our total sales will. The payroll quote is through an admitted carrier, while the sales quote is through a non-admitted, but A rated carrier. How do I decide which will be the cheaper one at the end of the year?

?skyblue asked:


I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company’s 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it’s better to use an agent?

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PlasticTrees asked:


I called a friend earlier this week to buy insurance. He gave me a quote I like, and tomorrow I want to go ahead and get the car. Do I just call my friend and tell him I’m buying it, and will need the insurance?
I don’t have insurance (right now). My fiance is going to be financing the car w/me, and he does have insurance on his other car. Does that help?

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