Insurance Broker

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When you buy insurance, you can either (1) use an "insurance by phone" operation, in which you call up and get a quote from a single insurance company; (2) buy it over the Internet; (3) go to a captive insurance agent; or (4) go to a local independent insurance broker who works with several insurance companies and will try to get you the best deal from among them. The latter are also known as independent insurance agents, because unlike captive insurance agents, they don't represent just one insurance company.