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... InsuranceBrokers.com does the work of comparing multiple insurance companies at the same time, giving you the best coverage at an affordable rate.
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.

Though not an absolute separation; an insurance agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).

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Independent insurance agents typically represent a number of insurance companies, or "carriers", and sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law.[1] Their expertise allows them to advise their clients about appropriate amounts of insurance and insurance coverages for their particular needs. Often, independent insurance agents will work with insurance intermediaries, who obtain quotes from multiple insurance providers and pass them off to the independent agent. Working with an insurance intermediary service allows the independent agent to review many quotes and offer their clients the best policy options available. For their efforts, independent agents are paid a commission (remuneration).[2]

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Brokers - Because a broker is solely focused on your unique needs, he or she can help with comparison-shopping, honing in on the best prices for the coverage you need. They can even advise you on how to best bundle or customize your policies in ways that agents might not be able to do (either because they are restricted in their policy offerings, or simply because they lack the insight into your specific needs).
Major Accidents: You should never neglect the worst-case scenario when selecting insurance. What if your car is totaled and needs to be replaced? If the accident is not your fault, the other driver's insurance (or your uninsured motorist coverage) will pay for the vehicle. But there are other situations and natural calamities that can also destroy your vehicle, and in those cases, you'll only be able to rely on your own insurance. In case such a situation arises, it is better to have enough coverage to fully repair or replace your vehicle.
There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change,[3] The National Organization of Life and Health Agents (NOLHA),[4] the Independent Insurance Agents & Brokers of America (The Big "I"),[5] and the National Association of Professional Insurance Agents (PIA).[6]

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An insurance agent helps clients choose insurance policies that suit their needs. He or she may also be called an insurance sales agent. Clients include individuals and families as well as businesses. A captive agent works for a specific insurance company and only sells that company's products, while other agents work independently or for a broker, and sell products from multiple insurance companies.
Most people are familiar with or have worked with an insurance agent at some point in their lives. However, a broker has an entirely different role from an insurance agent. Unlike insurance agents, insurance brokers do not work for an insurance company. They work for their clients, providing advice on the best insurance options for their clients’ needs. Their goal is to support their clients’ interests — not to sell a particular policy on behalf of an insurance company.

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“I love to do business with Langlois insurance because they are honest and will make sure you have enough coverage to adequately protect yourself. I had a flood in my condo last year and in hours Langlois Insurance had a restoration company at my home taking care of all my needs. Langlois insurance is a family business where I know I will always get personal customer service.”

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