re the rates from agents and insurance companies the same or different? 
That 's a great question ! Many people think that there can be price differences between agents , as they assume that the agents ' profits play a part in the quote . In reality , that 's not the case . The agent has no say whatsoever in the price structure of the policy . The only way company A 's price can be different when quoted to you by two different agents in your town would be if one included riders -LRB- additions to a policy that provide additional protections , but at an added cost -RRB- . Both agents have to use the prices set by the company , and the industry 's regulators . That is a great question , and I 'm glad you asked it . Thanks ! 