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Questions on booking cruise/cruise agency

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Hi all. I am researching our second cruise. I contacted our prior agent, who I was happy with, but also sent in a bid to cruisecompete. The cruisecompete bids are all $200 cheaper than my prior agent's, plus come with larger on board credits.

I keep reading to check for hidden fees - but what exactly should be checking for? Taxes and port charges? Anything else?

Also, I believe it is best to purchase trip insurance separately?

Lastly, if anyone has specific experience with Cruise Adventure Travel, I'd love to hear about it.

Many thanks.

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