What's the difference between an agent and a broker?

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The difference between and agent and a broker is that an agent usually sells insurance for a single insurer, while a broker sells insurance for any number of insurers.

In some cases an agent may actually be employed by the insurance company, although there are also agents who are self-employed.

If you're looking for details about a specific insurer's products, an agent may be the best person to talk to. However, if you're trying to comparison shop across multiple insurers, you may want to contact a broker.

Agents and brokers always provide their services for free, and earn commissions off of the policies they sell.