They consider several plan options and negotiate on your behalf to find the best value for your coverage. Their experience and existing relationships with several companies allow them to better understand the offers available. Runners ask a lot of questions to fully understand their needs. Policyholders who use insurance brokers make fewer unnecessary claims.
And they're more likely to be insured for the right amounts. Ultimately, this saves insurance companies money. As a result, as a broker client, you have lower premium options.