Question 1

What is the difference between an insurance agent and a broker?

Accepted Answer

An agent is captive, meaning they represent only one company. A broker provides local service with the added strength of representing several insurance carriers, giving you more options for coverage and pricing.

Question 2

Do insurance brokers cost more than direct insurance companies?

Accepted Answer

Not at all. Direct writers often have massive advertising budgets and labor costs that replace local broker service. We provide personalized service at competitive rates by working with over 25 carriers to find the best coverage for your needs.

Question 3

Who handles my claims and day-to-day insurance service?

Accepted Answer

Your local community broker is your initial and ongoing contact for claims and service assistance. At Michael Insurance Planning, you'll talk to real people who know your name, not a 1-800 number.

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