Like everything else, the cost of auto insurance is on the rise. In Indiana, according to the State Insurance Bureau, the average driver pays about $1,254 in insurance costs. It may be even higher where you live. Keeping your auto costs down can be as simple as connecting with an independent auto insurance broker. Keep reading to learn why you should have an independent auto insurance broker on your team.

What Does an Independent Insurance Broker Do?

As the name indicates, an independent insurance broker is a broker that doesn't work for one specific auto insurance carrier. They have access to every type of insurance without the pressure to sell you a specific policy from a carrier. In other words, they don't work for the carrier. Instead, they work to find you the best rates based on many different carriers.

How Can You Save Money Using an Independent Broker?

An independent broker doesn't have their own financial incentive for selling you a specific insurance plan. They'll present you with the top quotes they find and make recommendations based on your needs and budget. They have access to many different plans that you may not find online yourself. The savings can be significant! Additionally, there's no out-of-pocket expense for your work with an independent broker. This is another way you'll save money in the long run.

How Can You Save Time Using an Independent Broker?

Do you really have the time to go through every auto insurance quote and give it the attention it deserves? Using a broker to find the best plans at the most affordable costs makes this process much easier. These brokers do all the leg work for you. Instead of investing hours or days in finding and reviewing quotes, the insurance broker will do that for you. They'll provide you with the options they think are best for you, and then you can make your final decision.

If you want to save time and money finding an auto insurance plan that works for your budget and coverage needs, an independent broker is the way to go. Call Hartke Insurance today to learn how we can help you.