Could someone inform me of the legal ramifications of Insurance companies telling policyholders to get quotes regarding glass damage only claims? What if there was collision involved?

I'm new to the industry and I was somewhat baffled when a policyholder informed me earlier today that her insurance company told her to call and get quotes. I asked her if she had a deductible, and she said yes. My question is that If the insurer pays their deductible then what does that have to do with who or where she takes the vehicle for service?

????? DO YOU MEAN THE insured PAYS THE DEDUCTABLE,, Not the insurer. Ins. co's don't pay the deductable,,, WHAT????? you have me confused. But yes it is common for agents to tell customers to get a few quotes,, I am RARELY the lowest, maybe NEVER. But we are the best!

my bad.

the agent told the policyholder to call and get quotes. Are these not grounds for steering? I mean,if I pay a premium every month on a policy, does an agent violate any industry protocols when askin policyholders to get quotes to see who is the lowest? The insured pays the premium, not the agent. Where am I wrong here? Or are these the lease of our industry's worries?