…. they still farm it out and are at the whim of the insurer like any other insurance agency. …..
Yes, I agree. You'd think that means that all brokers would quote the same coverage at the same price, but they don't.
When I bought the C180 4 years ago, BWI was cheaper by a noticeable amount.
I don't know, maybe the brokers are putting more or less commission on top of the coverages,
but the fact remains that quotes can be considerably different.
I insured with some years ago, Avemco maybe?
They promised a $100 discount after a year of no claims.
My renewal quote came in the mail & it was the same as the year before.
I called and asked about the $100 discount--
after some hemming & hawing, they said "oh yeah, your coverage went up a hundred bucks, that discount covered the increase".
Yeah right.
I shopped it around and although I didn't find a much better price, I went with someone else.
I hate a damn liar, I'm sure not gonna reward one with my business if I can help it.