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This is where good deals often go bad, according to Schallert. The FandI agent is paid very well to make back the money given to you in a discounted price by hiking insurance rates, playing with the cost of extras and warranties, and overcharging for insurance. An auto broker can do all of the hard work on your behalf and often drop off the car along with the completed contract for you to sign in less time than you could have worked it out yourself. Auto brokers can help you find any of the following:The dealership's financing and insurance office is one of the worst places to get a good price on auto insurance. An auto broker who is looking out for your best interests can almost always do better. But you might want to tap other sources for the best deal on insurance. Just as an independent auto broker can get you better deals than the dealership's broker can, an independent insurance agent can usually get you better premiums than an auto broker or an insurance agent who works for one insurance company. If the auto broker you hire doesn't specialize in insurance shopping, you can talk with a local, independent insurance agent. These agents work for you, rather than the insurance provider, to get you the best deal possible on your car coverage. Over the years, a myth has developed that insurance coverage is not available or allowed for intentional injuries or damage. This myth has two primary bases: one, the “fortuity” doctrine, which provides that insurance should only cover losses that happen by chance; and two, public policy, which allegedly disfavors allowing insurance for intentional injuries or damage.

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