The brokerage fees are outrageous! As a matter of fact..Your policy would be cut in half if you dealt with the companies direct!! ...and getting a notice from the bank every 6 months for "5" years that your insurance has lapsed because the broker that you hired has failed to notify them that you even carry insurance!!...If you can afford to pay the insurance companies 6 months ahead, you will save 1/2 of the costs in the long run!! read more