How Do Car Insurance Agents Make Money? 
Insurance Agents are paid by the insurance carrier . It is important to note that the premium you pay is in no way affected whether or not you use an agent . The insurance prices are `` set '' and do not change whether you buy direct from the carrier or from an agent . So you 're getting all of the experience and knowledge the agent has attained at no cost to you ! Additionally , the agent becomes your `` go to '' person should you need help in the future . A good agent will also keep his/her eyes open for changes that occur in the marketplace that may affect you , as well as additional products that may protect you and your family . That 's quite a lot of service and benefit for zero cost ! 