I'm interested in doing something in insurance at some point so I'm curious to how things work on the agent/broker side. These questions are specific to auto and if it matters, California only. Appreciate the responses! 1. Can an agent (independent or otherwise) only use someone's existing policy declaration to generate a bindable quote? If not, what other information would they need from the customer? I've heard using the policy dec, an agent can get a MVR and generate a quote. Is there any cost to getting the MVR? I read on Ezlynx that providers will give you the MVR/CLUE when you go to bind and then you can make changes. Is there an easier way of doing this? 2. Are captive agent sales only location based or can they sell outside if they are approached by a customer? 3. Are there any costs associated with switching someone's insurance policy (on the agent's side)? 4. If I bundle a homeowner's policy to your existing auto insurance, do I commission on the entire premium? 5. For how many years will the insurance provider pay commission on a customer's policy? 6. Can the insurance provider directly poach an agent's customer? For the same company. 7. What are average commission rates for captive agents? Can they choose to partner with independent agents to get more sales? 8. Who collects the premiums? The insurance company or the agent? Especially the first premium. 9. How long does it take for the insurance company to pay the commission?