Insurance Broker: Represents you and can offer policies from multiple insurance companies. Insurance Agent: Represents one or more specific insurance companies and sells only their products.

The main difference is that brokers represent you, the client, while agents typically represent a specific insurance company. Brokers provide access to multiple insurers, while agents may only offer products from one provider.

If you're buying car insurance through an agent, they may only offer policies from one company. A broker, on the other hand, provides quotes from multiple insurers.

If you need access to a wide range of options, work with a broker instead of an agent tied to a single company.