Independent Car Insurance Broker?

Published on
February 19, 2024

In today's world, there are so many options for insurance and everybody wants to make sure they get the best possible price for the best possible coverage. But how can you do that? Do you just call up your local State Farm or Geico? Or should you choose a smaller independent broker? This blog post will discuss the best insurance options and how windshield glass will affect your insurance. 

Independent Brokers VS Large Companies

You can think of Independent brokers as your car insurance matchmaker. Unlike agents representing the large companies you know and love, Independent brokers partner with multiple insurers. But what benefit does that offer you? 

Comparison Power: You’re going to get quotes and compare coverage from various insurance providers. This is going to find you better deals on better premiums. 

Unbiased Expertise: Brokers will prioritize YOUR needs. They will recommend suitable policies without favoring any specific company. 

Advocacy and Support: Do you need help navigating a complex claim? Brokers will be your intermediary, negotiating with insurers on your behalf for the smoothest experience. 

You may have thought in the past that an independent broker would be more difficult than a large company or you may not have even known it was an option. In reality, an independent broker can be a better option for price and convenience. 

Auto Glass Claims and Insurance Rates 

If you live in the state of Arizona, you already know how easy it is for your windshield to get cracked. Filing frequent windshield claims WILL raise your insurance rates. Insurers view them as high risk which leads to a larger premium. You want to prevent excessive windshield claims.

The Power of Chip Repair

Instead of full replacements, there are many cases where a chip repair will do the trick. There are several reasons why you should consider a chip repair over a windshield replacement. 

Cost-Effective: Glass repairs are much cheaper than glass replacements and both are covered by insurance. Doing repairs instead of replacements when needed can save you hundreds of dollars. 

Crack Prevention: Timely repairs to chips will prevent them from spreading into large cracks that will require a replacement. This will avoid expensive replacements and higher claim costs. Plus they take less than an hour. 

Maintains Safety: A chipped windshield compromises the structural integrity of the entire windshield. Repairing it will restore its strength and clarity. 


Personal brokers can save you time and money while providing better coverage. They are not tied to any specific company and can find you the best policy for your needs with minimal effort from you.  To avoid higher insurance rates it is best to take advantage of chip repairs to reduce the amount of glass claims you use. This will also give you more safety and security while driving. Remember to always shop around and find what works best for you.