Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Am I being overcharged for my insurance policy?

I was ordered to get an SR-22, so I went to the insurance company that I have been with since I was 16. They gave me insurance quotes for both the year and for month-to-month. It just seemed really high, and when I asked why it was so high they said that it was the best rate I was going to get. I went ahead and paid for the year, but it wasn't until I looked at the receipt that I saw there was a broker's commission. That amount was more than the entire year's premium! I've reached out to them via email but I can't get a response.

Oct 16, 2025 Chico, CA

Answer
Author profile picture

Beth Swanson

Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance (AINS)
  • Professional Risk Consultant (PRC)
  • Associate in Insurance Services (AIS)

I'm sorry to hear about how you're being overcharged for your insurance! It is true that having an SR-22 will significantly impact your premium, but it sounds like you might be having issues getting a hold of your agent, as well. Feel free to shop around, if you'd like to look at other options. You can quote online at TheZebra.com or you can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors. They can help you shop around with carriers we partner with in your state to find you the best policy that meets your needs, and to make sure you are getting the best rate. If you are interested, you can purchase and have proof of insurance before you hang up. I hope this helps, and if you have any other questions please let me know.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Debris fell out of truck and damaged my bumper

I recommend you contact your insurance company and give them all the information regarding the accident. This includes photos of the damage to your vehicle, the highway name, time, the license plate of the at-fault driver, and a vehicle description. Providing as much information as possible will ne…
Aug 13, 2024 Bakersfield, CA

Do parking tickets affect insurance rates?

A parking ticket or two won’t impact your insurance—especially if paid on time. However, accumulating multiple unpaid tickets over a few years can lead to consequences that may indirectly affect your rates.Unlike moving violations, parking fines aren’t added to your driving record since they’re tie…
Feb 5, 2025 Atlanta, GA

Why does Travelers keep telling me about IntelliDrive?

A lot of drivers feel the same way. Travelers IntelliDrive is their version of a usage-based insurance program. (which most companies offer these days). The app tracks things like your speed, braking, acceleration, and the time of day you’re on the road. If the app shows you’re a safe driver, it ca…
Mar 26, 2026 State College, PA

My car was stolen and taken to Mexico. Can I just get a payout instead of getting the car back?

Hello, Sorry to hear about your situation. Unfortunately, I don't know if I can give much advice, as this is a claims-related question. Claims have their own rules that must be followed. If you had comprehensive coverage on the vehicle, theft would be covered. An adjuster would have to interpret th…
Aug 8, 2025 Brawley, CA