Why Use a Broker for Your Insurance?

That's a very good question. Well, Let's look at a scenario where you've got a new driver and he/she needs insurance. They could do a lot of research and maybe find a reasonable policy with company "A". Or, Maybe company "A" doesn't really care much about saving the customer money but just wants to write a policy to meet their quota.. Yes, most sales people have quotas to meet and will do about anything they can to sell the prospect that car insurance policy.
Now, the company that has agents that understand what re-ups are ( repeat business) will take the time to find the best policy for the individual so when it comes time to renew, they are still getting all the coverage they need at the best price because the agent took the time way before the driver contacted them to really research the marketplace for them when they are contacted.
So, what's this about a broker's fee? Yes, there is a broker's fee, but most of the time it doesn't impact the customer as much as you believe because the product (policy) found is usually more inexpensive anyway because of the initial steps taken upfront by the agent to locate the best deal than if he was working directly for a company that writes it directly.
Save more by having your agent do the shopping for you. That's why they're there! Everyone wins!