What Does A Car Insurance Agent Do? 
By definition , an agent works for a company to identify risks that the company is willing to insure . In some states there are `` brokers '' who represent several companies , however , they are normally acting as agents when they actually bind coverage . A car insurance agent then is a person who collects information that allows a company to weigh a risk and make an offer of coverage . An agent also advises the public on coverages , limits and exclusions . 