A car insurance agent and a car insurance broker have some similarities and some differences. Which one you choose to insure with depends upon how many car insurance companies you feel you need to have available to you; and how often you want to change insurance companies.
A car insurance agent represents only one car insurance company. A car insurance broker works with multiple car insurance companies. Brokers can switch your insurance carrier whenever you ask them to. They can switch insurers for you every time you get a rate increase or feel the service is inadequate. Whereas a car insurance agent cannot change insurance carriers for you – they only represent one carrier.
An agent and a broker can both quote and sell you car insurance. They can both service your claims and make policy changes for you. They both offer value and you can must decide which one you feel most comfortable working with.