There is a commission for buying things, and so is buying auto insurance. If you buy a car insurance, you will get a 30% commission. He can give you 10%-20% commission to buy goods, and then mark his retail price. If the purchase price is 100, mark it as 1000. You buy 3000 insurance, he takes 900 commission and takes out 3000. Also earned 600. But it is illegal to sell insurance in this mode. What they are talking about is how much insurance to buy. The CIRC won't help, and now the auto insurance is too messy.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.