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Insurance Brokers Group

Find The Best Local Insurance Rates

Insurance Brokers Save up to 29% Compared to Insurance Agents on Auto and Home Rates
"We compare insurance rates daily, so you don't have to."

"What Our Customers Are Saying About Our Service"

happy insurance customer

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!!  The best car insurance broker online, by far!!

Jill F.


satisfied insurance customer

Congratulations John E. on your award and thank you for your over and above help with our auto and homeowners 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.

Diana M.


Read MORE Reviews HERE

Award-Winning Insurance Broker

  • Highly Trained Insurance Brokers To Assist With Policy Purchase
  • Best In Class Online Software To Compare Multiple Insurance Companies
  • Annual Policy Reviews For Lower Cost Insurance
  • Recommendations For Insurance Coverage Based On Need
  • Available Via PhoneEmail And Text 
  • Insurance Quotes Available For Auto, Home, Life And Business 
  • A Huge Network Of Insurance Companies Competing For Your Business

Fully Backed by our 100% Guarantee

Your satisfaction is our top priority!

If for any reason you have issues - just get in touch and we'll be happy to help.

We're ready to answer all questions along the way so that every one of life’s adventures can feel safe & protected no matter what happens

If for any reason you don't like your policy, you can cancel and receive a refund of any unused premium.

*What Does It Cost For This Service?

No Fees

No Costs

No Charges

*We are paid by the insurance companies directly.


FAQ What is an Insurance Broker

What is an insurance broker?

An insurance broker is an insurance professional who works on your behalf, the client, to find the best insurance policy for your needs. Unlike an insurance agent, who represents specific insurance companies, a broker represents you. This means they can shop around with multiple insurers to compare rates and coverage options.

Here's a breakdown of what an insurance broker can do for you:

  • Find the right coverage: Brokers have a deep understanding of different insurance products and can assess your specific needs to recommend the most suitable policy.
  • Compare rates: Brokers can get quotes from various insurance companies to ensure you're getting the best possible price.
  • Negotiate on your behalf: Brokers can leverage their relationships with insurers to negotiate lower premiums or better coverage terms.
  • Assist with claims: If you need to file a claim, a broker can help you navigate the process and ensure you receive fair compensation.

Benefits of using an insurance broker:

  • Save time and money: Brokers can save you time by comparing quotes and money by finding the most competitive rates.
  • Expertise and guidance: Brokers have the knowledge and experience to explain complex insurance policies and answer your questions.
  • Advocacy: Brokers represent your interests, ensuring you get the coverage you need at a fair price.

Is an insurance broker right for you?

Consider using an insurance broker if you:

  • Need help to navigate complex insurance options.
  • Want to compare rates from multiple insurers.
  • Value personalized advice and guidance.

Finding an insurance broker:

There are many reputable insurance brokers available. Ask friends or family for recommendations or search online for brokers in your area.


Can insurance brokers get cheaper rates?

While insurance brokers can't magically conjure up the lowest price on the market, they can be strong allies in your quest for affordable coverage. Here's how:

  • Market Access: Brokers work with multiple insurance companies, giving you a wider range of quotes to compare. This increases your chances of finding a competitive rate.
  • Negotiation Power: Brokers act as your advocate, leveraging their industry expertise and relationships with insurers to negotiate on your behalf. This can lead to better premiums or additional discounts.
  • Risk Expertise: A skilled broker can accurately assess your risk profile, ensuring you get the right amount of coverage without overpaying.

In short, brokers can save you time and money by:

  • Shopping around for you
  • Negotiating on your behalf
  • Tailoring coverage to your specific needs

Remember: Brokers typically get paid a commission by the insurance company you choose. However, a good broker prioritizes finding you the best coverage at a fair price and building a long-term relationship.

Want to find out how much a broker can save you? Contact a local insurance broker for a free quote!

Insurance Broker vs. Agent: Key Differences Explained

Choosing the right insurance can feel overwhelming, and figuring out who can help you navigate your options – an agent or a broker – is a big first step. Both brokers and agents connect you with insurance policies, but there are some key distinctions to consider:

Who They Represent:

  • Insurance Agent: An agent works for a specific insurance company (captive agent) or multiple companies (independent agent). Their primary responsibility is to sell the policies offered by their represented companies.
  • Insurance Broker: A broker works solely for YOU, the client. Their job is to find the best policy across various insurance companies based on your needs and budget.

Finding the Right Policy:

  • Insurance Agent: Agents are experts in the policies offered by their companies. They can explain coverage options and help you choose a plan within their offerings.
  • Insurance Broker: Brokers have a broader view of the insurance market. They can compare plans from multiple companies, highlight pros and cons, and advocate for your interests during negotiations.

Focus and Expertise:

  • Insurance Agent: Agents are knowledgeable about the specific products they sell. They may excel at explaining coverages and tailoring plans to fit your company's needs (for business insurance) or your family's situation (for personal insurance).
  • Insurance Broker: Brokers are specialists in finding the best overall fit. They understand the strengths and weaknesses of various companies' policies and can navigate the broader insurance marketplace.

Choosing Between an Agent and a Broker:

  • Consider your needs: If you have a good understanding of what you're looking for and want a streamlined process, an agent representing a reputable company might be a good fit.
  • Value independent comparisons: If you prefer a wider selection and an advocate in your corner, a broker can be a strong choice.

Finding an Insurance Professional:

By understanding the key differences between brokers and agents, you can make an informed decision about who can best help you secure the right insurance coverage.

Do Insurance Brokers Charge a Fee?

While insurance brokers don't charge direct fees to clients, they typically receive commissions from the insurance companies they place policies with. This commission is usually a percentage of the total premium you pay for your insurance.

Here's a breakdown:

  • No upfront fees: You won't typically pay a broker a fee just to get a quote or discuss your insurance needs.
  • Commissions paid by insurers: Brokers earn money when you buy a policy through them. The insurance company pays the broker a commission, not you directly.
  • Commission varies: The commission percentage can vary depending on the type of insurance and the specific insurer. It's generally between 2% and 8% of the premium.

So, are brokers biased towards higher premiums?

Not necessarily. While commissions incentivize brokers to sell policies, reputable brokers act in their client's best interest. They should compare quotes from multiple insurers to find you the best coverage at a competitive price.

Here's what to consider:

  • Ask about compensation: It's always a good idea to discuss how a broker is compensated upfront.
  • Compare quotes: Don't just rely on one broker. Get quotes from several brokers and independent agents to ensure you're getting the best deal.
  • Focus on your needs: A good broker will prioritize your coverage needs over maximizing their commission.

Ultimately, using a broker can save you time and money by:

  • Providing expert advice: Brokers can navigate the complexities of insurance and help you choose the right coverage.
  • Shopping around for you: Brokers can compare quotes from multiple insurers to find you the best deal.
  • Advocating for you: In case of a claim, a broker can help you navigate the claims process and ensure you receive fair treatment.

By understanding how brokers are compensated, you can make informed decisions and leverage their expertise to find the best insurance coverage for your needs.

Can an insurance broker help my small business?

Absolutely, there are many benefits to using an insurance broker for small businesses! In fact, a broker can be a valuable asset in navigating the often complex world of business insurance. Here are some key reasons why small businesses should consider working with an insurance broker:

Expertise: Brokers are licensed professionals with a deep understanding of the different types of business insurance available. They can help you identify the specific coverages your business needs, ensuring you're properly protected without overpaying for unnecessary extras.

Market Access & Competitive Rates: Brokers have relationships with multiple insurance companies, which allows them to shop around for the best rates and coverage options on your behalf. This can save you time and money compared to getting quotes directly from each insurer.

Risk Management: A good broker will act as a risk management consultant, helping you identify potential risks your business faces and develop strategies to mitigate them. This proactive approach can help you prevent losses and keep your insurance premiums down.

Claims Assistance: If you ever need to file a claim, your broker can be a valuable advocate. They can help you navigate the claims process, ensure your paperwork is in order, and negotiate a fair settlement with the insurance company.

Ongoing Support: A broker doesn't disappear after you purchase a policy. They will be there to answer your questions, review your coverage as your business grows, and help you make informed decisions when it's time to renew your policies.

Overall, using an insurance broker can save you time, money, and stress, while ensuring your business has the right insurance protection in place. For a small business owner, that's a win-win!

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