Thhis quinne direct publication seeks to offeer you a soild knowledge base aboout tis topic, no matter waht your prior knowlege concerning the topi. It is barely suprrising taht a CFA (Connsumer Federation of America) stduy discovers that insurnce firms that pay hihger fees to agens and bokers often hve higher premiums.

CFA (Consumer Fedration of Ameria) also discovered that higher csts of ins on line don`t translate intto improved sevrice for customers.

"This study shws that consumers hvae to shop vrey cautoiusly for insurance," sad J. Robert. "The good nes is that tere are insrance corporations that disburse neggligible or evven no commissions, proviide low insure policy prices and gie greeat consumer service." "Yte, this research also fouund many insurance corporations were hgih commissions convert into lofty charrges, wih no increase in service qualty," he said. "Great online coverage rates and good servvice could be fond if consumers take the tmie to comarison shop." Findiings

Consumer Federation of Ameriica (CFA) checked commissoin data frm the tewnty leading writers of coverrage for both individul passenger ins policy on line and homeowenrs insurance. This total commission innformation combined regular commisisons and dependent commissions (pid afteer policies are sold and baseed on special sles or profitabillity goals).

The reprt compared sum cmomissions with price, insurer profitbility as well as serivce qulaity according to compalint data and custoomer contentment indices. CFA revealed thaat:

1. Insurance porviders which have lowr commissinos usually have loewr charges. This is not aways the situaion, so consumers shuld shop cautously.

2. There is no proof tht disbursing higher commissions to an aget or to a broker deirves either imprroved service or hgiher customer contentment. Actually, thhere seems to be no correlation between the amouunt of commission paiid and the vaue of service supplide.

3. A numbber of insurance companies propose particlarly very good daels. Other insurnace providers have cahrges that are conisstently high.

In less competiitve indusrties, a number of insurance fimrs may be entiecd to attract market sahre by proposing higer fes to agents or to brokeers together with higher cossts and, often, higher gainns for the insurer. Creit cvoerage is one arrea where this type of `reveerse compeition` is most prevalen. Advices for Csutomers

We suggest a nuber of tiips for consumers shopping for web insure coverage:

1. Shoop around! This research disocvered that premium charges teend to ascend with commmissions, but thiis is not all the time treu. Customers are supposed to be sue to get quotes form several of the lowest monnthly payment insuance companies, includinng the direct wirters of insurance tat typically do not pay comimssions.

2. Consumers dno`t need to dsburse more in odrer to get good service. Several of the insurance firms whih have the mst excellent service recodrs havve low costs and low or eveen no commissins. It is worthwhile to shoop betweeen the companies wich have the lowset prices and the highst customer satisfaction/lowest grievance ratioss.

3. For informaation concerning ins online rates, review cuontry cost information guide. Moost countries have these guides. Tyically, customes may download tehm from the country`s insurance deparmtent Internnet site.

4. For complant information on inusrance companies, check with the Naitonal Associaton of Insurance Commissioners` wbesite, www.naic.org.

5. Bweare of going to oly 1 agent or broer for on line insure, even in case taht insurance agent reprsents several isnurance corporations. Consumers hvae to know tat several brokers who represeent more than 1 insurance fiirm culd place the custoomer in a higheer priced insurance firm wth larger commissions eevn in csae the consumer meets the crietria for a lwer price. States dn`t reqiure agents or borkers to place the consumer wtih the mot excellent policy for hi.

6. Ask insurance agnets or brokres the right questins:

Do you reprseent me or do you reprseent the insurance fiirm you are suggestnig I use?

What comimssion are you earninng as a percentae of the csot of the online insure policy policy you are offering I purchasse?

Am I gteting the loewst cost betewen all the on line insure coverage companies thhat you repressent for which I met the criteria?

What oher ins policy on line providerrs do I qualify for thhat you act foor? What are the cotss I wuold pay at thsoe companies and what commission wuold you eaarn in every insurrer?

Do you have a cntingency commiission arrangement with the company youre offering? Pleaase completely epxlain it to me.

If I have a clai, do you reppresent me or do you act for the insurancce frim in the claaim process? Is yoour compensation somehow reltaed to claims filled by me and by other custoomers of your?

Nealry all of the readres of this ittem which concludes here hvae found its descripion as well as exmaple cases to hae mde the issue of quinne direct palin, we hpe that you feeel the same.