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A broker has an entirely different role from an insurance agent. Unlike insurance agents, insurance brokers do not work for an insurance company. They work for their clients, providing advice on the best insurance options for their clients’ needs. Their goal is to support their clients’ interests — not to sell a particular policy on behalf of an insurance company. A broker helps the client identify an individual, family, or business insurance risk. With this information, a client can make an informed decision about what type of insurance is necessary and how much insurance protection to carry. A broker can guide clients on these decisions and provide a range of quotes based on the client’s needs. This includes explaining the terms and conditions, benefits and exclusions for a number of competing insurance policies. Armed with this information, clients can find the most appropriate insurance purchase for their needs and budget. Some brokers may even be able to negotiate lower rates for their clients based on their history as an insured and the amount of insurance that they are purchasing. Unlike insurance agents, brokers typically have access to many different policies offered by various companies — not just a few policies offered by a single company. They may also have access to policies that are not available to most consumers. Having a wide selection of policies to choose from can ensure that clients have the best possible coverage and the best rates. A broker can assist clients in choosing the right policies for their home, business, family or automobile to make sure that they are adequately protected. This includes more than simply looking at the premium rates or policy limits; it involves a thorough analysis of what exactly each policy covers and excludes to ensure that it is the right policy for the client.
After insurance has been selected and purchased, Pixel brokers will continue to provide service to their clients. This includes advising clients on technical issues that may be helpful in the event that a client has to file a claim, helping clients decide if they should change their insurance policies or coverage, and even making sure that clients comply with their policy’s requirements.
Although insurance brokers work for their clients, they aren’t paid by them. Instead, they make commissions based on their sales. If you work with a broker to buy homeowners, automobile, health, business, life or any other type of insurance, you will not pay them a fee for the services they provide.
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 most consumers and business owners, using an insurance broker is usually preferable to buying
insurance through an agent or purchasing insurance on your own. Working with a broker can save you time and money and — most importantly — can result in much better insurance coverage.
Brokers are often able to get better rates on insurance policies for their clients than individuals buying insurance directly from the company. That is because insurance companies know that brokers have the experience to guide their clients to the right policies with the proper level of coverage. Policyholders who used brokers are less likely to make unnecessary claims or to be underinsured, which ultimately saves the insurance companies money. The companies usually offer special broker pricing as a result — so that broker clients have lower cost options available to them. While agents may also get special pricing, they are working for the insurance company — not for you. A broker can offer a range of quotes from different insurers to give clients options that fit their needs and their budgets. This ability to shop for the best prices from a number of carriers typically saves clients who use brokers money.
Using a broker can also simplify the process of picking insurance. There are so many different choices for insurance, with different limits and exclusions for each policy. It can be difficult to know which insurance and what level of coverage is right for you or your business. This is where an insurance broker can help. Using their experience in the field, a broker can analyze your risks and liabilities to determine exactly what coverage you need. With access to a variety of technology-based tools, brokers can make it simple to compare various options to determine which policies would best fit your needs. Using a broker eliminates the stress of learning about different types of insurance, and makes it easy to figure out what insurance will work for you.
A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.
If you are in the market for insurance for your business, home, vehicle, or your family, a broker can help you determine what your insurance needs are and what insurance is right for you. Because a broker works for you — not for an insurance company — you can be assured that your insurance broker has your best interests in mind when shopping for insurance policies.
Pixel Insurance marries the latest technologies and deep experience in the insurance industry to provide an unsurpassed customer experience. With a galaxy of insurance products (auto, home, life, health, commercial) made available through the leading companies, Pixel is constantly reviewing client coverage to maximize every insurance dollar. A simple portal with step-by-step guidance permits a quote shopper to enter the pertinent information and an experienced agent searches the entire universe of policy options for the very best one. Pixel provides in this way coverage that is robust, tailored and significantly better priced, a purchase process that is simpler and faster, and service that is best-in-class. Contact a Pixel insurance broker today to learn more about how he or she can help you buy the best possible insurance for your needs.
Look at similar policies
When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical – or at least very similar – auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types
Know what policy features are included
Liberty Mutual lists all coverage’s and features in our policies. This helps you understand exactly what’s included in your quote, and which items may have an additional cost, such as towing or car rental coverage’s. When you compare car insurance, make sure you’re getting the coverage you need and the features you want.
Comparing similar coverage, limits, and deductible amounts
More coverage + lower deductible = higher premium
Less coverage + higher deductible = lower premium
Also, be sure you’re comparing the same coverage period, usually a 6-month or 12-month term.
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