Do you know that an insurance agent does not have any control over what your premium is? Well it might be hard to swallow this truth. Smart insurance agents can configure the right coverage for you and implement the right discounts that you are legally eligible for. - whether it is your auto, home or business. Your agents cannot arbitrarily lower your rates or even advertise to lower your rate. Let me tell you - if your agent is telling you that he / she is going to lower your rates - it is a fat lie!.