Car Insurance 2020 Guide - What Is The Difference Between A Car Insurance Agent And A Car Insurance Broker?

LOS ANGELES, Jan. 15, 2020 /PRNewswire-PRWeb/ -- has launched a new blog post that explains the differences between car insurance agents and car insurance brokers.

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Insurance brokers and insurance agents are industry professionals that act as intermediaries between policyholders and insurance companies. The most important difference between insurance brokers and insurance agents is who they represent. The insurance broker represents the policyholder. The broker can help a driver find the best car insurance policy. The insurance agent represents one or more insurance companies. Insurance agents will try to sell policies from their companies to any potential customer.

Drivers who haven't decided with whom to work should consider the following about insurance brokers and agents:

    --  Insurance brokers: Brokers work for the customers and not the insurers.
        Brokers can help drivers to determine their own insurance needs and they
        can assist them when looking for a policy that can satisfy those needs.
        While some customers need brokers to find cheaper insurance policies,
        other customers have complex insurance needs and they require
        assistance. Brokers can recommend the drivers some insurance products
        that can help them save money on insurance. Drivers who got involved in
        an accident can get assistance from the broker when making a claim.
        Brokers can help drivers manage the claim, organize the documents, or
        handle the insurance company. Usually, brokers work for smaller
        companies that represent large insurance companies
    --  Insurance agents: Usually, an insurance agent represents a single
        insurance company. An insurance agent serves as the link between
        policyholders and insurers. Some insurance companies have a business
        model that is based on bundling personal connections between insurance
        agents and customers and they are selling policies only through their
        insurance agents. Some insurance agents have the best interests and they
        will help drivers compare insurance plans and look for better deals.
        Other agents just want to sell policies that bring the largest

Drives who choose to work with an insurance broker can gain the following benefits:

    --  Honesty. Brokers are required by law to disclose the commission rates,
        insurance policy terms, and other items.
    --  Better premiums. In many cases, insurance brokers can access cheaper car
        insurance premiums than ordinary people can. Drivers working with a
        broker can save 10% to 15%.
    --  Avoid complex policy comparisons. Comparing insurance plans can be quite
        overwhelming for many. However, an insurance broker knows where to look
        and will help customers pick the best insurance plan.
    --  The commission is included in insurance premiums. Insurance brokers are
        not working for free, and their commission is bundled with the
        customers' premiums.
    --  Objective and neutral. Brokers are not biased towards any insurer. Their
        goal is to help customers find an insurance deal that fits their needs.
        Insurance brokers can customize policies objectively and neutrally.

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