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Our commercial risk team offers a wealth of knowledge and expertise, and has built strong relationships with top insurance carriers. We partner with you to identify potential loss exposures, and help you implement an action plan to reduce them. Having the ability to write all lines of commercial insurance is one part of providing the best insurance and risk management consultation, but our true strength is having the expertise to tailor those products to suit your business needs.
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.

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Amy did a great job getting me an umbrella policy for a reasonable price. I had attempted to get quotes from several other agencies but I guess because I own properties in several states it was too difficult for them. Amy was able to save me well over a thousand dollars and provide the coverage I needed. She was easy to work with and responsive to all my questions. I would recommend her.
NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.
Safe Auto Group Agency, Inc. will be the agent of record for any quotes issued or policies bound via this website. However, the website and domain are maintained, serviced and published by Millennial Specialty Insurance, LLC. ("MSI"). MSI collects, maintains and stores the data and information collected on and through this website and from third party vendors. Safe Auto Group Agency, Inc. is not responsible for the content or operation of this website or how MSI handles or uses your information. Please reference MSI's Privacy Policy and Terms of Use for further information.
We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
Once licensed, an insurance broker generally must take continuing education courses when their licenses reach a renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the National Association of Insurance Commissioners. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.
It depends on the type of policy and the agent’s contract level with the insurance company. A Medicare insurance broker may have different commission levels with different insurance companies as well. A large Medicare insurance broker who has been in the market for a number of years is not likely to care about small differences. Here at Boomer Benefits, we enroll our clients in the insurance plan that is right for them regardless.
Contingent or incentive commissions reward agents and brokers for achieving volume, profitability, growth or retention goals established by the insurer. For example, Elite Insurance promises to pay the Jones Agency an extra 3 percent commission if Jones writes $10 million in new property policies within a certain time frame. If Jones renews 90 percent of those policies when they expire, Elite will pay Jones an addition 2 percent commission.

Independent Agents - Independent insurance agents function identically to insurance brokers in that they represent multiple insurance carriers. The primary difference between brokers and independent agents is that insurance brokerage companies are often larger than independent insurance agencies. However, independent agents and brokers approach the business in the same way, which is that they represent the customer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.
A life insurance agent is essentially a salesperson. If you don’t buy a policy, he or she doesn’t get paid. Because of the commission structure, the more expensive a policy you buy, the more the agent gets paid. You could be roped into a life insurance policy that offers way more coverage than you need, with premiums much higher than you’d pay for more accurate coverage.

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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.  InsuranceBrokers.com does not charge a fee for our service.
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver's premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.

Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).

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An agent or broker is a person or business who can help you apply for help paying for coverage and enroll in a Qualified Health Plan (QHP) through the Marketplace. They can make specific recommendations about which plan you should enroll in. They’re also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into an issuer's plans. Some brokers may only be able to sell plans from specific health insurers.
A nearby Allstate agent can help with all of the details. Select your state below to find insurance agents near you. Your local Allstate agent works and lives in your area and knows the ins and outs of your community. Call for a quote, to ask questions or to compare the policy you currently have with what Allstate has to offer. We’re here to help you protect what’s important to you.
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Our Employee Benefits team is acutely aware of the need to provide your employees with the appropriate benefits, while simultaneously ensuring the costs remain affordable to both you and your employees. Our experts take a proactive and consultative approach to doing business, and our goal is to not only help you retain your competitive edge, but to make benefit plan administration seamless for you. We go above and beyond for each client, acting as an advocate in price negotiation and dispute resolution in claims and billing scenarios.

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Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance premium increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.

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4 If your rental car were damaged in a covered loss, this coverage would provide additional protection under your policy’s Physical Damage Coverage (subject to deductible). We would pay the expenses to the rental agency for: loss of use (the rental agency’s loss of rental income); reasonable fees and charges (e.g., storage fees incurred by the rental agency); and loss of market value of the damaged rental.   Not available in NC.
Don't forget to ask about the optional protection of a personal umbrella liability policy. Umbrella Coverage from $1,000,000 for individuals wanting higher liability protection. Most home and auto insurance policies stop at $500,000 liability coverage. A personal umbrella policy provides coverage on top of basic auto and home insurance: $1,000,000 to $10,000,000 available.

Beyond simply understanding life insurance, an agent can also guide you through the process of buying it. While you can apply for life insurance entirely on your own, sometimes that means a lot of waiting for a response from a carrier before you know where you stand in the application process. But an agent can update you as move through the funnel.
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Unlike GEICO, Esurance, and other “direct writers”, independent agents are a part of your community and are there to help whenever you need it. Unlike American Family Insurance, Farmers Insurance, State Farm Insurance, and other “captive” agents, an independent insurance agent works with many different insurance companies. Atlas agents automatically compare quotes from up to 50, which saves you time & money.


Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).
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Brokers are licensed by the state or states in which they operate, and they are required to represent their clients’ best interests. This duty helps to ensure that a broker will steer clients to the best insurance for them, rather than to a particular company or to a specific policy. Brokers rely on repeat business from their clients, which also motivates them to make sure that their clients have the best possible coverage. In many cases, brokers may receive an additional commission if you renew your insurance plan — giving brokers an extra incentive to make sure that you have optimal coverage and that you are satisfied with your policies.
For over 20 years, Agency Insurance Company has been one of the fastest growing insurance companies in the states of Maryland, Pennsylvania, and Virginia. Our highly trained staff is dedicated to offering the most competitive rates on personal auto, commercial auto, motorcycle and off-road vehicle insurance as well as fast and friendly service to our customers. Whether you need a quote or are filing a claim, we are here to help whenever you need us.
Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.
Brokers are not appointed by insurers. They solicit insurance quotes and/or policies from insurers by submitting completed applications on behalf of buyers. Brokers don't have the authority to bind coverage. To initiate a policy, a broker must obtain a binder from the insurer. A binder is a legal document that serves as a temporary insurance policy. It usually applies for a short period, such as 30 or 60 days. A binder is not valid unless it has been signed by a representative of the insurer. A binder is replaced by a policy.
Insurance agents typically represent only one insurance company. As a result, they are often referred to as "captive" agents. Insurance brokers represent multiple insurance companies. Thus, brokers are free to offer a wider range of products to their clients. They can search the market and obtain multiple price quotes to fit their clients' budgets. You might say that agents work for the insurance company while brokers work for their clients.
Did someone say convenient? Life can be complicated, which is why we make insurance so easy. Our customer service is accessible and personal. You can choose from different payment options, and you’re able to manage your account online for anytime, anywhere access. Just in case you want to view your policy at 2 a.m. while on vacation. Not that you would, but you could.

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A nearby Allstate agent can help with all of the details. Select your state below to find insurance agents near you. Your local Allstate agent works and lives in your area and knows the ins and outs of your community. Call for a quote, to ask questions or to compare the policy you currently have with what Allstate has to offer. We’re here to help you protect what’s important to you. 

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.  InsuranceBrokers.com does not charge a fee for our service. 

The key to Bresnahan Insurance Agency, Incorporated's continued success is our ability to build lifelong relationships with our clients. Our business was founded in 1957 by Patrick B. Bresnahan 3rd on the principles of service, integrity and commitment towards community involvement. Patrick, his son Terence, daughters Eileen and Kathleen continue to adhere to this philosophy. Our many employees are dedicated to serve all our policyholders with care and respect. Continuing education for our employees enable them to assess new and existing clients needs thoroughly. We take pride in treating your family like ours. 

My husband and I have been using the same Independent Insurance Agent for over 15 years and I can't imagine getting insurance from anyone else! I like the personalized service we get. As bad as customer service is everywhere else, it's nice to know that I can go to my local office and get the help I need. I'm rarely put on hold when I call and I'm always helped by a knowledgeable staff member, not someone reading from a script. I've compared our insurance rates with many other companies, and our agent makes sure we get the best insurance for the best price. We've dealt with brokers and captive agents too, but our best experiences have been with Mr. Johnson.
Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and The Business Benefits Group / IFG are not affiliated. Additional products and services may be available through The Business Benefits Group / IFG that are not offered through AIC. Securities products are limited to residents of Virginia. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group / IFG will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
I called insurance brokers of AZ for my insurance needs. I have special circumstances and thought it would be a hassle to find affordable insurance. They told me they would get back to me with insurance options. I received a phone call and e-mail from Michael in about an hour. The process was pain-free and affordable. I would definitely recommend them to someone else. Don't waste your time shopping around, let them do the work for you and I bet you'll end up paying less.

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