if so why and what happened?
I have not made late payments

I get a discount for my car insurance if i am a member of a professional agency. A lot of them are expensive…..anyone know if any of these are free or cheap.

heres the list of them
http://www.geico.com/about/sponsoredmarketing/partners/

how much of a lower rate?
farmers or state farm
and i know i wont get money back but whats the discount