Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

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Eligibility

Can I get full coverage insurance without an agent looking at my car for any damage?

Yes you can purchase a policy with comprehensive and collision (full coverage) without an agent inspection. However, you will not be able to file a claim for existing damage on the vehicle since your insurance policy will only cover damage that occurs during the period when you are insuring the vehicle.
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