Just like all agents, Experian Insurance Services is paid a commission by the insurance company. There is no upcharge to you, Experian Insurance Services is free for you to use. These commissions are from the insurance companies' marketing budgets given Experian Insurance Services brought them new customers, not from your premiums. Your rates are the rates provided and don't change. Experian Insurance Services shows you quotes based on your savings. Experian Insurance Services does not sell or share your data and doesn't cold call or spam its customers.