Be consistent when requesting quotes
For home, auto or business insurance, give each broker the same accurate information so premiums and coverage are comparable. A lower price based on different limits, deductibles or assumptions is not an apples-to-apples comparison.
Ask what the broker can shop
Confirm which types of insurance the broker handles, which insurers or markets may be available, and how compensation works. Ask whether the broker will explain major exclusions, optional endorsements and the effect of changing deductibles or limits.
Compare service after the sale
Find out how policy changes, certificates, billing questions and claims guidance are handled and who to contact at renewal. Ask how often coverage is reviewed when circumstances change.
Verify licensing and final policy terms
Use the appropriate official registry to confirm current licensing. Only the issued policy wording and insurer documents define coverage; a directory summary or quote conversation is not the policy contract.