Originally Posted by wingNwing
....They're brokers, not agents, and that means their loyalty is to you rather than a particular company.
This can be technically true, but they are still paid by the carrier, so reputation is just as important as with an agent. Either a broker or agent could be motivated to put you where they are paid the most. WW is giving a good reference, which is the best way to find the right insurance professional, imho. A good professional wants a long term relationship, not just their first year commission. Telephone sales agents, imho, don't care.
Now, the technical difference between a broker and an agent is important to understand, but navigable once you do. An agent can typically contract on behalf of another party, a broker can not. Therefore, when your agent says your coverage is in effect or makes another promise, it is done. The broker must wait for the carrier themselves to contract.