@miriam98 - I like the broker concept better than that of an agent. It means that we are not locked into one company. I know that there are some online services that act as brokers.
They will shop different insurance companies and present you with quotes from what they feel are the best choices. It saves you the hassle of having to shop around yourself, and I think you can be confident you’re getting the best deals since the broker is not tied to one specific company.