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  • Angela Leakey

Why should choose an insurance broker over an insurance agent

Updated: Aug 16, 2019

Why would you choose an insurance broker (also known as an independent insurance agent) over an insurance agent?

They both sell the same types of policies. (These are state regulated) They both have the same licenses and are required to do continuing education to keep their licenses. So why would you choose to work with an insurance broker instead of an insurance agent?

The number one reason is price.

An insurance agent is usually what is referred to as a captive agent. This means they write insurance for one company only. When you call them they provide you with an auto insurance quote with the best coverage and price that the only company they right business for provides.

An insurance broker is not tied to one company. They often represent multiple companies and are able to shop your insurance for you through all the companies the represent. This not only provides you with the best coverage at the best price, it saves you the time and trouble of having to call each company and get a separate quote and are able to show you the insurance quote comparisons for all the companies that fit your policy needs.

At AML Insurance Services we do the heavy lifting for you. We work with over 15 companies to make sure you are getting the best coverage at the best price. As an independent agency we don’t have ties to one company that we have requirements with, this means we are going to get you the best rate every time! Gives us a call at 816-249-2324 or visit us at and we will be happy to provide you with a comprehensive consultation and quote.

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