How we get paid
The insurance company pays our agency a commission when you buy. You never pay us a fee to shop or to switch.
Commission, not fees
When you buy a policy through us, the insurance company pays Pini Insurance a commission that is built into the price every customer of that carrier pays. You do not pay us a separate fee to get a quote, to switch, or to make changes.
What that means for you
- We only quote companies our agency is appointed with. Right now that is Progressive, GEICO, Travelers, Bristol West, National General, Kemper and United. We can’t quote State Farm or Allstate, which sell through their own agents.
- Sometimes we tell you to stay put. If your current policy is the better value, we say so. A customer who trusts us is worth more than one sale.
- Prices are the carrier’s prices. We don’t mark them up. Florida law doesn’t allow agencies to hand back part of the commission as a rebate unless the insurer has filed a rebate plan, so we compete on service and on explaining things well.
What we won’t do
No “guaranteed lowest rate”, no fake countdowns, no pressure. Your quote is an estimate until the insurer checks your driving and claims records, and coverage starts only when the policy is bound and confirmed in writing.