The main difference between insurance brokers and insurance agents is the fact that brokers work for you, yes you! They are independent and work closely with most insurance providers while agents only work with a specific company and can only give you their policies and deals. Brokers have access to more that one company. They’re able to provide you with a number of different options from various providers: a variety of deals to pick and choose from. A broker will also help you if you were to ever file any claims or have any other issues with your policy. Personally, I would much rather approach a broker than an agent, mainly because of their great client service capabilities and their credibility.

But let’s say you don’t have a broker? Let’s say you don’t even have an insurance plan? What do you do and how do you find a trustworthy broker that will get you the best offers possible? Well, the answer is easy: word of mouth. Talk to your friends, family and co-workers. Ask them about their insurance brokers’ service, reputation and ability to find the right deals at the best premium. They have first hand experience with this broker and will be able to tell you whether they have ever had any kind of problems with them. A person can never deny his or her reputation, which is why word of mouth is probably the easiest way to find an insurance broker.

Once you have found a broker that seems respectable and trustworthy, you can start evaluating their capabilities. Now, I know it might seem unusual to question their education, equity and skills, but you need to be reasonable: the way things are today, you really can not afford not to question anything. Crooks and conmen are everywhere and evaluating if this broker is the right individual to take care of your insurance policies will avoid you being conned and left disappointed. You will have to trust this person enough to put everything you leave behind when you die in his or her hands. So choose wisely: suss them out first, give them a trial period or perhaps ask them these questions:

Ask your insurance broker about their qualifications. If they do not possess the essential qualifications, they should not be allowed to broker your deals. It is like asking a 10 year old to drive a vehicle: it will most likely end the same way. Also ask your broker about experience in the insurance industry. Make sure their level of experience and expertise meets you insurance needs, it is no use employing a car insurance broker when you want to apply for life insurance coverage.

Last but not least, ask the broker for personal references. Ask him if you can have A few names and numbers of clients he has worked with. Call them up and ask them about his client service, equity and capabilities. They won’t mind singing his praises when they are 100% happy with his service. Evaluate the broker’s answers and decide if he or she will be equipped to handle your insurance.