Best Arizona Insurance Agents & Brokers (2025)

An insurance agent is a licensed professional who works for an insurance company and sells their products directly to clients. An insurance broker, on the other hand, is an independent professional who works with multiple insurance companies to find the best policies and rates for their clients.An insurance agent is a licensed professional who works for an insurance company and sells their products directly to clients. An insurance broker, on the other hand, is an independent professional who works with multiple insurance companies to find the best policies and rates for their clients.

No, you don’t need to work with an agent or broker to buy insurance in Arizona. You can buy insurance directly from an insurance company or through an online marketplace. However, working with an agent or broker can be beneficial because they can help you understand your coverage options, answer your questions, and provide personalized recommendations.

You can search for licensed insurance agents and brokers in Arizona on the website of the Arizona Department of Insurance (DOI). They have a “Producer/Agency Search” tool that allows you to search by name, company, or license number. You can also ask for referrals from friends, family members, or other professionals you trust.

When choosing an insurance agent or broker in Arizona, you may want to ask about their experience, qualifications, and the types of insurance products they specialize in. You may also want to ask about their commission structure, how they get paid, and whether they have any conflicts of interest. Additionally, you should ask for references and check online reviews to see what other clients have said about their services.

The cost of working with an insurance agent or broker in Arizona varies depending on the individual and the insurance products they offer. Some agents and brokers work on commission, which means they earn a percentage of the premium you pay for your policy. Others may charge a fee for their services. You should ask about fees upfront and compare the costs of different agents and brokers before making a decision.

Most insurance agents and brokers in Arizona are licensed professionals who are required to follow state laws and regulations. However, like in any industry, there may be some bad actors who engage in unethical or fraudulent practices. To protect yourself, you should only work with licensed agents and brokers, do your research, and ask questions to ensure you understand the policies you’re purchasing.