A 2% commission realtor charges a low 2% listing fee and delivers full-service support for less than the national average of 2.88%.[1] Sellers choose these agents to cut costs without losing expert pricing guidance, marketing, showings, or negotiation help.
In many cases, these lower rates are possible because platforms like Clever Real Estate partner with experienced local agents and negotiate reduced listing fees, sometimes as low as 1.5%.
Below, we’ve ranked the top 2% commission realtors and lower-fee brokerages based on savings, customer reviews, service quality, and availability.
Not sure which 2% commission realtor is right for you? Get matched with top local agents offering full-service listings at 1.5–2%. No commitment. No pressure. Compare local low-commission agents.
2% commission savings snapshot nationwide
How much a lower listing fee actually saves you on a $400,000 home, based on Clever's ongoing survey of real estate agents.
- Average listing fee nationwide
- 2.88%
- Clever's agent survey (533 agents)
- Avg listing commission cost
- $11,520
- On a $400,000 home
- Savings at 2% listing fee
- $3,520
- vs. United States average
- Savings with Clever 1.5%
- $5,520
- vs. United States average
Top 2% commission real estate brokerages of 2026
Listing Fee
Buyer Savings
Editor's Take
Pros & cons
Reviews
Locations
Clever Real Estate is the best option for most sellers looking for an agent. The company matches you with multiple experienced, full-service agents so you can find the right fit, and it offers a low 1.5% listing fee no matter which agent you choose.
Listing Fee
Buyer Savings
Editor's Take
Pros & cons
Reviews
Locations
Ideal Agent is a solid option if you’re looking for a top agent. The company vets its realtors thoroughly, so you’ll likely get a quality agent. But you won't save as much on realtor fees as you could with other companies.
Read the full Ideal Agent review.
Listing Fee
Buyer Savings
Editor's Take
Locations
Pros & cons
Reviews
Redfin is a reputable discount real estate brokerage that offers significant savings, particularly if you buy and sell with the brokerage. But watch out for high minimum fees, which vary by market and can be high in some areas. Redfin's agents also work with a lot of clients, and they don’t always have time to provide as much hands-on service as you may need.
Read the full Redfin review.
Disclosure: Clever Real Estate is the parent company of List With Clever. We rank Clever first because, after evaluating dozens of low-commission brokerages, it consistently delivers the lowest qualifying listing fee (1.5%) paired with a vetted, nationwide network of full-service partner agents. Compare it to the other options below and decide for yourself.
🥇 Best overall: Clever Real Estate
Quick snapshot
- Listing fee: 1.5%
- Buyer savings: $250–$500 cash back (where eligible)
- Coverage: Nationwide
- Best for: Sellers who want full service and the highest savings
- Biggest downside: You may receive only a few agent matches in smaller markets
Clever Real Estate tops our list because of its nationwide availability, low 1.5% listing fee, and strong customer satisfaction scores. On average, Clever customers save $7,000 in real estate commissions. The model works by partnering with experienced agents from major brokerages (RE/MAX, Keller Williams, Century 21, Compass) and negotiating reduced rates in exchange for a steady stream of qualified clients.
| Source | Average Rating | Review Count |
|---|---|---|
| BBB | 4.8/5 | 56 |
| 4.8/5 | 487 | |
| TrustPilot | 4.9/5 | 4,040 |
| Total | 4.9/5 | 4,583 |
Pros
- Get matched with top-producing local agents in minutes.
- Guaranteed 1.5% listing fee (about half the usual rate).
- Free agent matching service with no obligation to commit to any realtor.
- Large agent network offers good selection compared to similar services.
Cons
- No guarantee you’ll get matched with a specific agent or brokerage.
- Add-ons like professional home staging and drone photography may cost extra.
» Read our full Clever Real Estate review
👍 Good agents, less choice: Ideal Agent
Quick snapshot
- Listing fee: 2%
- Buyer savings: None
- Coverage: Nationwide
- Best for: Sellers who want one highly vetted agent
- Biggest downside: Only one agent match, so less ability to compare options
Ideal Agent vets its realtors thoroughly, so you’ll likely get a quality agent. The trade-off is that you’ll pay a slightly higher 2% listing fee, and you’re matched with only one agent. That limits your ability to compare service levels, marketing plans, or personalities.
| Source | Average Rating | Review Count |
|---|---|---|
| BBB | 5.0/5 | 117 |
| 4.8/5 | 462 | |
| TrustPilot | 5.0/5 | 6,387 |
| Yelp | 2.1/5 | 9 |
| Total | 5.0/5 | 6,975 |
Pros
- Easy to get matched with a top-rated real estate agent.
- 2% listing fee is lower than the traditional rate.
- Customer service gets excellent reviews.
Cons
- You likely won’t get to choose which agent you work with.
- No savings for buyers and limited savings for sellers compared to 1.5% options.
- Limited ability to manage your listing online.
» Read our full Ideal Agent review
⚠️ Decent savings, some risks: Redfin
Quick snapshot
- Listing fee: 1.5% to 2%
- Buyer savings: 0.25% cash back
- Coverage: Nationwide
- Best for: Sellers who want lower fees through a tech-focused brokerage
- Biggest downside: High minimum fees and less hands-on service in busy markets
Redfin is a reputable discount brokerage that offers significant savings, especially if you buy and sell with the company. Watch out for high minimum fees, which vary by market.
Redfin agents also tend to juggle a heavy caseload, closing an average of more than 20 deals per year, which is more than triple the count for agents at other brokerages.[2] That higher volume can mean slower responses and less one-on-one support.
| Source | Average Rating | Review Count |
|---|---|---|
| BBB | 1.1/5 | 36 |
| Consumer Affairs | 1.3/5 | 182 |
| 4.1/5 | 128 | |
| TrustPilot | 2.3/5 | 30 |
| Yelp | 3.4/5 | 1,100 |
| Total | 2.6/5 | 1,476 |
Pros
- Low 1.5%–2% listing fee offers good savings.
- Clients who buy and sell with Redfin can save even more.
- Easily manage your listing online or via Redfin’s app.
Cons
- Agents might not be experienced in your local market.
- High minimum fees in certain markets may limit your actual savings.
» Read our full Redfin review
Best for high-end buyers: Prevu
Quick snapshot
- Listing fee: 2%
- Coverage: 12 states
- Best for: Buyers and sellers in luxury markets
- Biggest downside: Minimum fees reduce savings on homes priced under $1.25 million
Prevu offers strong savings for buyers in luxury markets. You can get up to 1% of the purchase price back as a buyer rebate, but only on homes over $1.25 million. Sellers pay a 2% listing fee. Prevu’s service quality is solid, although minimum fees can erase the savings on lower-priced homes.
Flexible but inconsistent: UpNest
Quick snapshot
- Listing fee: Varies
- Coverage: Nationwide
- Best for: Sellers who want multiple agents to compete for their business
- Biggest downside: Pricing and service quality are inconsistent
UpNest works like a matchmaking platform where agents bid for your business, so pricing varies. It’s a good tool for comparing options, but service quality and pricing aren’t as consistent, and there’s no built-in buyer rebate or guaranteed commission savings.
How we chose our top picks
We reviewed dozens of low-commission real estate companies and selected the best 2% commission realtors and lower-fee brokerages based on five criteria:
- Commission rate and overall savings
- Quality of service and agent support
- Customer reviews and satisfaction
- Coverage and availability
- Transparency and consistency in pricing
Our goal was to highlight companies that offer legitimate savings without cutting corners on service, which is the most common concern sellers raise when exploring discount brokers.
How real estate agent commissions work
In a typical home sale with two agents, the seller pays the total commission for both their agent and the buyer's agent, deducted from the sale proceeds at closing.
Historically, this has resulted in sellers paying a total of 5-6% of the sale price in commissions. Our research on average commission rates found that rates average 2.88% for listing agents and 2.82% for buyer’s agents, although they vary by region and property type.
🏛️ NAR settlement and commission changes
Bottom line: sellers now have more flexibility, but listing fees haven’t dropped.
Following the 2024 National Association of Realtors (NAR) settlement, sellers are no longer required to offer commission to buyer's agents. Instead, buyers are expected to negotiate directly with their own agents.
Key changes under the NAR settlement include:
- New MLS rule. Broker compensation offers must no longer be listed on the Multiple Listing Service (MLS), thereby promoting off-MLS negotiations. This aligns with the transparent fee structures of 2% commission realtors.
- Written buyer agreements required. NAR now requires MLS participants working with buyers to enter written agreements that outline services and fees, thereby increasing transparency.
- Financial relief for sellers. Eligible sellers may qualify for settlement payments, providing additional financial benefits.
These changes give both buyers and sellers a clearer understanding of what they're paying for and how their agent is compensated. But they haven’t meaningfully reduced commission rates.
Why commission rates haven't fallen
Many expected commission rates to fall after the settlement, but that hasn't happened.
Luke Babich, CEO of Clever Real Estate, explains that while buyer-agent fees dipped briefly, the decline didn’t last:
"Commissions dipped from about 2.6% to 2.5%, then climbed back up and are now higher than they were previously," he says. "Buyers still want professional representation, and they're willing to pay for it when the cost is rolled into the overall purchase.”
Working agents echo that. David Baca, a Las Vegas-based REALTOR at Life Realty District whose family has been in real estate for more than 30 years, says the on-the-ground reality is the opposite of what most sellers expected.
“It’s funny. We’re making more money now," he says. "Because everyone’s like, ‘Oh my god, buyer agents aren’t going to get paid anymore.’ That is not true, remotely."
Real estate coach Dr. Lee Davenport, an Atlanta-based industry educator with more than 16 years in residential real estate (including a stint as managing broker at RE/MAX Around Atlanta), says the industry is simply seeing the true value of full-service work.
“When agents show their work, clients see the hundreds of tasks involved and understand why the commission is justified.”
Buyers commit to fees earlier
Some agents are also holding firm on pricing because buyers now commit to fees upfront. Liz Wood, broker-owner of Liz Wood Realty in New Orleans and Metairie (in real estate since 2011, with a focus on the greater New Orleans metro), explains:
“The negotiation of commission happens before we ever step into a house. Buyers know upfront what they agreed to pay, regardless of what the seller offers," she says.
Sellers still expect full service
Even with more transparency, seller expectations haven’t dropped, especially in softer markets: 91% of sellers used a real estate agent, matching the highest share ever recorded.[3]
“Sellers expect more than ever. Price, location, and really good pictures are still the biggest factors in getting a home sold," Wood says.
Baca puts a sharper point on what sellers actually pay for when they hire full service:
“You have someone representing you and you can’t even get them on the phone. That’s the most unfortunate mark. There’s a lot of agents out there that have 100 listings. But you can have 100 listings. I get paid on results.”
Both Davenport and Wood say the settlement has shifted the conversation toward value rather than discounts. Agents who can clearly explain their services are more confident holding their rates, and some buyers are even financing portions of their agent’s fee when sellers don't cover it.
That shift shows up in seller priorities: only 4% of sellers say commission is the most important factor when choosing an agent, while reputation and trust matter far more.[4]
What this means for 2% listing fees
For sellers choosing a 2% listing fee, these changes make transparency even more important. Lower listing rates can still deliver big savings as long as the agent provides full-service support, clear expectations, and a strong marketing strategy.
What is a 2% real estate commission?
A 2% real estate commission is a reduced rate that some agents or brokerages offer. It is lower than the traditional commission of 2.5-3% of the home’s sale price (for the listing agent only), which can save sellers money compared to standard commissions.
While a 2% commission may not always include every service a full-service agent offers, it often provides a more cost-effective option for many sellers.
2% commission benefits
Opting for a 2% real estate commission can offer several benefits for home sellers:
- Significant savings. For high-priced homes, a 2% commission can lead to substantial savings. On a $600,000 home, choosing a 2% commission over a traditional 3% could result in savings of up to $6,000.
- Increased negotiating power. Lower commission expenses can give sellers more room to negotiate on price, potentially attracting more buyers.
- Seller flexibility. With lower commission expenses, sellers may have more flexibility to offer buyer incentives, such as closing cost assistance or home warranty coverage. This could make the property more attractive to buyers.
When 2% commission isn't the best fit
A 2% listing fee works for most sellers, but it isn't the best choice in every situation. Consider other options if:
- You need intensive prep, staging, or project management. Some 2% brokers aren't set up for heavy hands-on work.
- You want a boutique, hyper-local agent who rarely discounts their rate. Some top producers don't offer reduced fees, such as 2%, and may charge as high as 3-3.5%.
- You prefer a highly specialized marketing strategy. Certain niche properties may need premium-level marketing or agent expertise that a 2% agent won't cover.
- You need extensive support selling an inherited or distressed property. A full-service agent or a cash home buyer, such as Clever Offers, may be a better fit.
That last scenario matters more than most sellers realize. Christina Rordam, a 21-year REALTOR with Florida Realty Investments in Orlando (whose family operated a flat-fee brokerage in the late 1980s), and a Certified International Property Specialist (CIPS), warns that distressed sellers shouldn’t skimp on representation:
“Going FSBO when underwater could be very tough. If somebody’s in a distressed situation, that’s especially important to get a professional, because they can at least attempt to get the lender to wave the debt, so they’re not still responsible for that upside-down portion.”
If you fall into one of these situations, compare several options before committing. A slightly higher commission can sometimes result in a faster sale or a stronger price. But many sellers still save with a transparent 1.5–2% listing fee when the service level matches their needs.
Why would an agent work for only 2%?
As a former real estate agent, I know that working for a 2% commission can make financial sense — especially when the agent gets something valuable in return.
Here’s a closer look at why agents might agree to reduced commission rates, and how Clever makes that more sustainable:
🔥 Hot markets
In markets with high demand and low inventory, properties tend to sell quickly.
Despite home prices averaging around $200,000 in Hartford, CT, the rapid turnover in this market translates into quick earnings for local agents, even when accepting reduced commissions on lower-priced sales.[5] The efficiency of these transactions can justify the lower commission rate.
💎 Luxury properties
Selling luxury properties, such as high-value homes, can still be highly profitable with a 2% commission, despite potentially taking longer to sell and higher marketing expenses.
For example, a 2% commission on a $5 million home generates a $100,000 payout. Even after splitting half of that with their brokerage and covering expenses, the agent may still earn $50,000. The total commission from the sale price can compensate for the lower percentage.
» LEARN: How much commission a realtor makes on a $1 million sale
🤝 Referrals
This is a significant source of business for realtors. Consider the following industry statistics:
- 42% of an agent's business may come from referrals and repeat clients.
- 88% of buyers and 82% of sellers would use or recommend their agent again.
- 92% of consumers trust recommendations from friends and family more than other forms of advertising.[6]
Satisfied clients are more likely to refer their agents, potentially leading to more transactions or even higher rates in the future. Working at a lower commission can build a strong client base and generate valuable word-of-mouth marketing.
🌟 Reputation boost
Establishing a reputation for exceptional service at a competitive commission rate can be pivotal for real estate agents.
Here's why: Positive client experiences and glowing reviews lead to more short-term business and can bolster long-term success. By consistently delivering value and exceeding expectations, agents can create a reputation that attracts a steady stream of clients and secures future listings.
This approach builds trust and positions agents as preferred professionals in their local market, which may be worth the reduced paychecks.
Commission rates in every state
Find average real estate commission rates near me
Interested in knowing the average real estate commission rate in your area? Find your region in the map below to learn what realtors charge in your state.
Alternatives to 2% commission realtors
Besides discount brokerages, there are a few other ways you can reduce your real estate commission rate:
1. Try negotiating realtor fees directly
Consider negotiating directly with your realtor to potentially lower their listing agent's commission to 2%, the typical minimum listing rate for a traditional agent.
Be aware, though, that this approach can be time-consuming, requiring careful preparation of strong negotiation points. Research also indicates that negotiating lower rates is challenging; only about 22% of recent home sellers who discussed commission rates with their agent successfully negotiated a reduced fee.[7]
In fact, a recent New York Times investigation titled "Home Sellers and Buyers Accuse Realtors of Blocking Lower Fees" interviewed buyers and sellers across the country — from Colorado to Ohio to Arizona — who said they were actively discouraged or blocked from pursuing lower-commission options by their agents or brokerages.[8]
What works (and what doesn’t): Rordam says sellers who push hard on rate but won’t price the home correctly tend to lose either way.
“If folks are wanting to negotiate on the commission, they should be prepared to be priced competitively. We often see where somebody wants a very cheap commission but they also want to overprice the house. Those are two things that are never going to be good,” she says.
Baca offers a contrarian view sellers should hear: the negotiation conversation itself is a useful screening tool.
“I get it all the time: if I can’t even negotiate my commission, how do you think I’m going to negotiate on your behalf? If I can’t even show you how valuable I am, how do you think I’m going to negotiate the biggest transaction of your entire life?” he says.
The point isn’t that you should pay full fee. It’s that the agent’s response to the rate conversation tells you something about how they negotiate. That’s why many sellers choose companies like Clever, which lock in low rates upfront so you don’t have to negotiate or have awkward fee conversations.
2. Work with a limited-service agent
Some agents provide limited service for a commission as low as 1%. This option can work well for experienced sellers in hot markets, but you'll need to handle more selling responsibilities yourself.
Shane Parker, broker-owner of S&P Realty in Grosse Pointe Park, MI (covering Metro Detroit and Southeast Michigan), describes the trade-off:
“They might list the property on the MLS, but most of the work, marketing, showings, negotiations, even paperwork, falls on the client.”
Parker explains that while this approach can work for a seasoned investor or someone selling in a hot market with margin to spare, it can “leave money on the table and expose the average homeowner to unnecessary risk.”
Baca puts it more bluntly:
“Anyone can stick a sign in the yard and be like, ‘Here’s my value. I’m only worth $500.’ And unfortunately, you will get the treatment of a $500 broker. I promise you that.”
3. Use a flat fee MLS listing service
Pay a one-time, upfront flat fee of $100–$400 to have your home listed on the MLS, which provides visibility on Zillow, Redfin, Realtor.com, and other related sites. You'll handle showings, paperwork, negotiations, and the rest of the process.
This is the cheapest option, but it's also the most time-intensive, akin to selling a house for sale by owner. If you're not confident handling the sale yourself, it can be a risky choice — especially if you're unfamiliar with local laws or pricing strategies.
The most common pitfall isn’t the listing itself. It’s pricing. Rordam says flat-fee listings are almost universally overpriced.
“Most commonly, the mistake is price. Almost always, when I see a flat-fee broker listing, very commonly it’s overpriced. They probably interviewed with some other agents who told them the truth about the market, and they didn’t like it.”
The second pitfall is at the showing itself.
“They do not get out of their own way. They disclose things that don’t need to be disclosed: personal family history of the home. Maybe their dog died in the house. The number one thing is they like to be there at the showing, and they just talk too much,” Rordam says.
If you’re exploring this option, Houzeo is one of the leading flat fee MLS services. It lets you list your home on your local MLS in minutes, compare affordable plans, and decide how much help you want from a licensed agent.
4. Sell to a company that buys houses for cash
If you're in a hurry to sell, this option is a good choice. These companies buy homes as-is, often within 7–14 days, and don’t require repairs, showings, or open houses.
All-cash purchases remain elevated, with 29% of buyers paying all cash in October 2025, according to the NAR. However, most sellers still opt for agent-assisted listings when maximizing price matters most.[9]
The downside: Investors typically aim to offer between 65% to 70% of a home's after-repair value (ARV) — it's potential worth after fixing it up — with a median offer of 67.5%, according to a Clever survey. So, you'll likely walk away with less money than if you sold on the open market.
Still, cash buyers can be a good solution in certain situations, like facing foreclosure, handling a sudden move, or selling an inherited property. And while you may not receive top dollar, comparing multiple offers—whether independently, through an agent, or via a free service like Clever Offers—can help maximize your sale price.
5. Sell to an iBuyer, like Opendoor or Offerpad
iBuyers are companies that make fast, algorithm-based offers on homes. They’re an option if you need to sell quickly and your home is in good shape.
While iBuyers usually offer more than traditional cash buyers, they charge service fees of around 4.5–6%, so you won’t save much on the commission. They’re also still a small part of the market — fewer than 1% of sellers go this route — and are only available in select areas.[4]
How much can I save?
Compare a 2% listing fee to your state average and Clever
Move the home-value slider and pick your state. We pull listing-side commission averages from our own agent survey, then show what you would actually pay at three different rates, including Clever's flat 1.5% listing fee.
- Listing fee$13,950
- Buyer's agent fee (state avg, 2.55%)$13,950
- Listing fee$5,000
- Buyer's agent fee (state avg, 2.55%)$13,950
- Listing fee$7,500
- Buyer's agent fee (state avg, 2.55%)$13,950
The tool above compares the nationwide average commission rates (2.88% for listing agents and 2.82% for buyer’s agents) to a reduced 2% listing fee.
On a median-priced home sale of $368,198, sellers pay around $21,000 in total commission using traditional full-price agents.
But if you work with a 2% realtor, you'll save close to $3,000 in commission costs. Work with a 1.5% commission realtor - like those in the Clever Real Estate network - and your savings would jump even higher.
💡 Keep in mind: Most sellers still offer a competitive buyer’s agent fee (2.5–3%), so your total commission won’t always be exactly 2%. But lowering your listing fee is still the most effective way to cut costs while selling your home.
We've built this guide to help you find realtors who offer a 2% commission and provide full-service support at a fair price. Every recommendation is grounded in real estate experience, expert insights, and independent editorial review.
🛡️ Why you should trust us
Choosing the right agent can significantly impact your time, stress, and net profit. This guide is based on real experience, expert review, and transparent data, rather than marketing claims.
We created this guide to help you find real 2% commission realtors who provide full-service support at a fair price. Every recommendation is grounded in industry expertise and independent editorial oversight.
Written by Steve Nicastro. Steve is a former real estate agent and current investor who has closed more than $8 million in residential transactions. He has worked with both full-price and discount agents and understands the tradeoffs of each commission model.
Edited by Katy Baker. Katy is a senior real estate editor who has shaped dozens of high-performing guides for Real Estate Witch, Home Bay, and Clever. She ensures each article is accurate, skimmable, and useful for real sellers.
Reviewed by Ben Mizes. Ben is a licensed real estate broker, investor, and co-founder of Clever Real Estate. He brings deep expertise in commission negotiations and seller savings strategies.
We also use data from trusted sources, including the National Association of Realtors and proprietary Clever research on commission averages, agent pay trends, and seller behavior.
Expert practitioners interviewed for this guide:
- Dr. Lee Davenport (profile). Atlanta-based real estate coach and educator; 16+ years in residential real estate; former managing broker at RE/MAX Around Atlanta; author of 250+ industry articles.
- Liz Wood (Liz Wood Realty). Broker-owner of a boutique brokerage serving the greater New Orleans / Metairie metro; licensed since 2011.
- Shane Parker (S&P Realty). Broker-owner serving Grosse Pointe Park and the wider Metro Detroit / Southeast Michigan market.
- Christina Rordam (Florida Realty Investments). 21-year REALTOR in Orlando and Central Florida; CSP, CNE, and CDPE certified; family operated a flat-fee brokerage in the late 1980s and early 1990s.
- David Baca (Life Realty District). REALTOR serving the Las Vegas metro; second-generation agent from a family with 30+ years in the business.
Primary data sources include the National Association of Realtors’ 2025 Profile of Home Buyers and Sellers, the 2025 Home Buyers and Sellers Generational Trends Report, proprietary Clever research on commission averages, and reporting from The New York Times.
Our goal is to provide clear, unbiased guidance that helps you compare options and choose the right agent for your specific situation.
FAQ
Are 2% commission realtors worth it?
Yes, 2% commission realtors are worth it for sellers looking to save money. We recommend working with a discount brokerage that offers full service and support, along with lower rates. This way, you'll have the best chance of selling your home quickly for the best price.
Is 2% a good commission?
Yes. For most sellers, a 2% listing fee is competitive because it's lower than the national average of 2.88% for listing agents. It's a good deal when you still get full service, including pricing strategy, professional marketing, showings, negotiation, and contract-to-close support. However, watch for minimum fees and add-ons, since on lower-priced homes a flat minimum can erase some savings. Your total commission may still include a buyer’s agent fee if you offer one after the NAR settlement. If you want to save more while keeping full service, Clever can match you with top agents who charge a 1.5% listing fee.
What are the best 2% commission real estate companies?
Our top picks among 2% commission real estate companies are Clever Real Estate, Ideal Agent, and Redfin. These companies offer the best combination of rates, service, agent selection, and overall value to sellers — and they also have offices nationwide. Other companies, like SimpleShowing or Prevu, might be a good option for sellers in certain regions, but they may have a smaller agent network.
Why do some agents charge 2%?
Many agents charge 2% instead of the traditional 2.5–3% to make their services more competitive for sellers. Some discounted agents work with more clients to offset the lower fee, but that’s not always the case. Agent matching platforms like Clever Real Estate negotiate lower rates with top agents in exchange for a steady stream of clients — allowing those agents to pass the savings on to you.
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