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How Insurance Brokers can save you up to
59% on Auto and Home Insurance

Insurance Brokers work with multiple insurance carriers for the best Rates

Insurance Brokers are not captive to any one company which means they are not required to sell any one company or any product. This freedom allows Insurance Brokers work for you without favoritism towards any one company. Insurance Brokers are considered independent agents for each company they represent but called brokers because they representing multiple companies. Compensation is paid by the insurance carrier and free of charge to the consumer for the service.  Insurance Brokers bring value by saving time, money and energy shopping for affordable insurance policies.  Is it time to check your rates for lower premiums?

Insurance Brokers


Home, condo, renters, landlord and more property insurance quotes available from top insurance carriers

auto insurance quotes


Car insurance quotes from multiple "A" rated auto carriers for the best rates and coverage's to meet your needs 


Life Insurance for family protection, income in the event of a family member loss, business key person or charitable giving


Business and commercial building, general liability, workers compensation, commercial auto, cyber liability and more 

Auto and Home Insurance

Chances are your home and auto are one of your largest investments in life.  But, that doesn't mean you have to over pay to insure them.  Finding affordable insurance can be challenging unless you have a lot of free time.  Fortunately there's a better way... does the work of comparing multiple insurance companies at the same time, giving you the best coverage at an affordable rate.

Insurance Agents vs Insurance Brokers 
 What’s the difference?

Are there benefits to use Insurance Brokers vs Insurance Agents?

There are small difference, but they can make a big change in what you pay for insurance.

Insurance agents and brokers both help you (the insurance buyer) with purchasing insurance policies.  They are required to be licensed in the state(s) they sell insurance.  They are also regulated by the law of each state by the respective department of insurance.

The difference is who they represent – you or the insurance company

Insurance Agents

Insurance agents have a responsibility to the insurance company.  Agents act as the insurance company representative in the buying process as they are typically salaried employees.   Most insurance agents are “Captive” to represent only one company, such as: Allstate, State Farm, Farmer, etc.  Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.  

Insurance Brokers

Insurance brokers represent the insurance buyer – you the consumer or business owner.  They are appointed or contracted with multiple insurance companies.  They have the flexibility to discuss many options and companies that meet your needs and budget. Insurance brokers have been around as long as insurance agents.  In many cases people will refer to insurance brokers as independent insurance agents.

What about Business or Commercial insurance?

Any business with 50 or more employees is most likely using an insurance broker.  Business insurance can be very complex and can take a team of insurance industry professional to manage the insurance risk.

what are independent insurance agents

What do Insurance Brokers do?

Insurance Brokers work the consumer vs. insurance agents who work for the insurance company.  Brokers are very knowledgeable with both personal and commercial insurance. Utilizing state-of-the-art rating software to find the most affordable insurance policies to fit your needs and budget. Insurance Brokers save time, money and energy when shopping for lower cost insurance.

happy insurance customer

 Jill F. 



It literally only took about 5 minutes for them to take care of my request for information with my policy. They are so nice and very prompt. I am very glad I got in contact with this company, and would recommend them to anyone!!


Insurance brokers are in any city you would find insurance agents.  The easiest way to locate local insurance broker is online by simply searching independent insurance agents near me or insurance brokers near me.  Most local brokers are licensed in multiple states so if you have property or vehicles others states you can most likely use the same broker.

What are independent 
insurance agents?

Independent insurance agents are also known as Insurance Brokers. Insurance agents that are independent and not employees of any insurance company.  

You will find independent insurance agents represent many of the same insurance companies offered by local insurance agents.  The biggest benefit is the time savings individuals and business will find.  Because the selection of insurance companies for personal, commercial and life insurance is so comprehensive you don't have to contact several agents for quotes.  An independent insurance agent may represent 5 to 10 insurance companies. 

You can see how independent insurance agents can be a real time saver when shopping for affordable insurance.

how independent insurance agents get paid

How do Insurance Brokers get paid?

Insurance brokers are paid a commission based on the product you purchase.  It can vary, depending on the type of insurance like: home , auto or business insurance.  Commercial insurance may pay a higher commission since they have complex underwriting requirements and time consuming to find the right company.  They are paid for new and renewal business.  The service is generally FREE to you, but they are required to disclose any potential brokerage fee before making a purchase. does not charge a fee for our service.

satisfied insurance customer

 Diana M. 



Congratulations John E. on your award and thank you for your over and above help with our auto and home owners insurance.  You are tops in our book...a 5 star!!!  You have given us the help we need when we need it and always serves our insurance needs well.  Thank you again.

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Insurance Brokers

Insurance Brokers Group, St Charles, MIssouri 63304 


California License #0H79320