However, the prices offered by a direct carrier are readily beaten. Even though a broker is required to look out for everyone's best interest, the broker's first obligation is to the employer, the customer. Typically, a broker has a broader choice of auto insurance programs from which to choose. A broker makes an agreement with various insurance carriers to present their programs to the customer. The more insurance agreements that a broker can acquire ultimately means the broader price selection the broker has to offer, including down payment and monthly payments.
Most insurance carriers are careful with whom they make an agreement.
Therefore, the more agreements that a broker has actually acquired means the better the reputation that broker has in the insurance industry.