The Difference Between Car Insurance Brokers in Lynnwood and Insurance Agents

If you are about to start shopping for insurance, it may be confusing when you see the terms insurance “broker” and “agent.” Although the words are sometimes interchangeable, they have different perspectives on auto insurance. Let’s look at the differences between car insurance brokers in Lynnwood and vehicle insurance agents.

An insurance agent typically represents companies who sell insurance. These individuals present the information about insurance to a prospective insurance buyer. You can choose between policies and complete a contract for auto insurance through the agent. An independent agent can compare auto policies from several vendors but may not always have access to all the policies. A captive agent promotes insurance from one company.

An insurance broker generally acts for the insurance buyer. They are independent and do not have a contract with any insurers. Your broker will prepare your insurance application to the vendor on your behalf. Brokers can work with specific buyers or with certain industries and situations. Brokers will carefully evaluate your auto insurance requirements to help you find the best policy at an affordable price. This means that a broker must have comprehensive knowledge of all kinds of insurance products and the experience to deal with many types of insurance situations. There are sometimes fees associated with utilizing an insurance broker and premiums may be higher, but this is not always the case.

Before deciding whether you want to choose an insurance agent or one of the many informed car insurance brokers in Lynnwood, do your homework. The team at American Insure-All® is ready to help you find the best auto policy for your needs. Call us at (888)411-AUTO for a free quote.

When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.

Andy Omsen

We switched to American Insure-All many years ago and Don has always taken great care of all our needs. He has always been honest, fair, and very timely with each policy request. American Insure-All is a pleasure to deal with and we highly recommend them.

luisaboutiq vip

I highly recommend this agency for any insurance policy you may need. Don was very helpful with my new policies with American Insure-All. He saved me about $200 per month. The insurance company I was previously with was super expensive. The best thing I ever did was switch to American Insure-All.

Yannie Villavicencio

I can't say enough about American Insure-All and the services they have provided both myself and my referred clients over the past decades. As a real estate broker for over 30 years, I utilize many vendors and service companies, but the people at American Insure-All are at the top of our list. The level of trust they have earned from us is second to none. They are incredibly responsive to our client's needs but more importantly, we can trust the council that they offer our clients.

Shriram Dholpur

We have been working with Don for about 15 years and won't even consider making any changes. He's been super responsive and it's always a pleasure to work with him whether we have a question or need to update a policy, etc.

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