We book a year or more out and have been using cruise complete. I like agencies that have an electronic payment system so I can easily make payments once a month. Not all of them have that. I have tried 2 agencies so far. I need to remember not to make the final payment too soon.

Does anyone know the commission break down for agencies? Do they get 15-20% and give us 10% as a credit?

Do most of you use the credit for insurance or do you buy it separate? I bought Geoblue to go along with my family insurance plan and I have the Amex Plat.