Who Should You Buy Insurance From

The Pros and Cons of Using an Insurance Broker

Secure insurance through the right insurance agent.

When shopping for insurance policies, you have two choices: either work with an insurance broker (someone who represents a variety of insurance companies) or choose to buy directly from a captive insurance agent (someone who represents a single insurance company). Consumers should be aware of the cost of premiums and the level of customer care. When shopping for insurance, always bear those two factors in mind.

Captive Agents

While you may think that you should opt for a captive agent to cut out the middleman (the broker), you may be limiting yourself. Captive agents just represent one insurance carrier. The upside of working with a captive agent is that he or she has exceptionally thorough product knowledge. The downside is that he or she cannot provide access to products or pricing outside of their respective company. Essentially, you buy what they can offer. You can visit many captive agents online to request a broad quote. It could be worthwhile calling the agent to see if you can bundle policies together to save money.


A broker helps you find the right coverage for your needs (rather than finding the right package that somewhat fits your needs). A broker is solely focused on you and can help comparison-shop. He or she may be able to advise on how to bundle or customize your policies. Brokers work with a variety of insurance companies, meaning that they have a broader understanding of companies’ offerings and key benefits. When working with brokers, bear in mind that you may not need all of the added bells and whistles that they suggest.

Skip the search of finding the right insurer for you by contacting All Nevada Insurance directly. We provide residents in Las Vegas and cities in Nevada with reliable insuranceContact us today to get started on your tailored policy!