What Is an Insurance Agent/Broker? - Good Apple Insurance York, PA
Feb 17, 2022

What Is an Insurance Agent/Broker?

An insurance agent, who may also be an insurance broker, helps you shop for home or car insurance. They look at what you have and compare available rates and coverage options and in most cases can save you money. It is a free service we provide to make sure you get the best possible coverage for the best possible rate.

Insurance agents work to understand your personal needs by asking some simple questions and gathering pertinent information, and then finding the most suitable options. You can also upload your current policies using the link provided here: https://app.insurgrid.com/good-apple-insurance

These insurance agents don’t decide on the price you pay—that’s done by the insurance company. They shop for the most competitive rates and find many different types of discounts to help you save money, such as multi policy, multi vehicle, low mileage usage and claims free discounts.

With Good Apple Insurance, licensed in Pennsylvania and Maryland, buying car or home insurance isn’t a pain. We do the shopping for you. Finding and comparing similar policies is often very easy because of the tools at our disposal. And we have helped many people save money or get a better policy.

Types of Insurance Brokers

All insurance brokers must meet your state’s licensing requirements to sell policies. Upholding and enforcing qualifications and licensing protects consumers’ interests and the insurance industry as a whole.

There are two types of brokers: independent and captive. Understanding the difference can help you better navigate your search for a policy.

Independent insurance agents work with various agencies to help you find the most suitable policy. Since they work with multiple companies, they won’t pigeonhole you into one coverage option and often find you the best rate.

Captive insurance agents only represent one car insurer or one group of related insurers. In this arrangement, the broker can offer policies only from that specific company.

Using an Independent Car Insurance Broker

Working with an independent car insurance agent/broker can help the process pinpoint the best coverage options for some people with lower insurance costs per month or extended coverage. Be sure to tell Good Apple Insurance your overall goal.

Here are a few benefits you may find when working with an agent or broker.

Shops on your behalf

Once we identify your needs, we can compare rates and coverage options with the many carriers we work with. This means more competitive rates and better options for the customer.

Identifies the proper coverage.

You may not be sure what coverage is right for you. We identify what coverage options suit you best, and make suggestions based on your specific situation. Some customers might buy too much while many others don’t have enough. Good Apple Insurance’s expertise can point you in the right direction and minimize the risk of over-or underinsuring.


Not only do we help you find the right coverage, but we also help with billing, policy changes and claims and more! Our agents make it easier to help customers with insurance their needs.

Good Apple Insurance
1585 N Queen St

York, PA 17404