A: A SR22 insurance agent is someone who can look at all of your needs and characteristics, and seeing these find the car insurance company which is best for you, in some cases. In all cases, however, an agent is someone who will handle your insurance business for you and with whom you will do all of your car insurance dealings, unless you buy your insurance direct. There are two types of agents.

• Captive agent.

A captive agent isn’t very useful to people who are shopping around, but can help people who have already decided what company they want to buy their insurance from. A captive agent only works for one company, and can handle your insurance dealings with them, but if you change companies you will have to get a new agent.

• Independent agent.

Independent agents work with around five or six companies, usually. Agents like these can choose among quotes for the best ones and also do everything a captive agent does. If you want to change your insurance company, you can do so without having to find a new agent.

A: You may just be with a car insurance company which doesn’t have a lot of discounts. I would say that is the first sign that you need to get out. Start looking up quotes online and think about changing to a company with a lower car insurance quote and a better range of discounts. Depending on the size and number of discounts you’d qualify for, sometimes it’s better to trade a lower initial quote for a lot of discounts.

Many of the discounts aren’t applicable to a non owner SR22 insurance policies because they involve aspects of he car, such as anti theft device discount, low mileage discounts, safety feature discounts, and the like. But many are careless discounts.

For example, you can get a discount for combining your insurance policies, by getting your life, health, home owners/renters, and car insurance all from the same company. You can choose from a variety of student and senior discounts, or take classes to watch your non owner SR22 car insurance rate plummet.