Is It Cheaper to Go Through an Insurance Broker?

If you’ve ever shopped for insurance, you’ve probably wondered:
“Is it cheaper to go through an insurance broker?”

The short answer? Yes — especially when you work with the right broker.

At Mauceri Bynum Insurance, we help individuals and business owners across North Texas save money every day by shopping coverage with multiple carriers, negotiating pricing directly with underwriters, and eliminating unnecessary fees.

Here’s why working with an independent insurance broker often costs less — and delivers far more value — than buying insurance on your own.

🤝 What Does an Insurance Broker Do?

An insurance broker represents you, not the insurance company.

Instead of being limited to one carrier, brokers shop your coverage with multiple insurance companies to find the best combination of price, coverage, and underwriting fit.

This is especially valuable in today’s insurance market, where rates, eligibility, and carrier appetite change constantly.

💰 Why Insurance Brokers Are Often Cheaper

✔ Access to Multiple Carriers

As an independent brokerage, Mauceri Bynum Insurance works with over 30 top-rated carriers. That means we can compare pricing and coverage across the market — not just one option.

More competition = better pricing.

✔ Price Negotiation Power (Especially for Commercial Insurance)

One of the biggest cost-saving advantages of using a broker is direct negotiation with underwriters.

For commercial insurance in particular, we regularly:

Negotiate premiums

Adjust rating factors

Present your business favorably to carriers

In many cases, we’re able to secure significant savings — sometimes up to 40% off the original quoted premium.

This level of negotiation simply isn’t available when purchasing insurance directly online or through a captive agent.

✔ No Broker or Agency Fees — Ever

Many insurance brokers charge broker fees or agency fees on top of your premium.

We don’t.

At Mauceri Bynum Insurance, we believe your money should go toward coverage — not administrative add-ons. That means working with us is often less expensive than brokers who charge extra fees, even when the policy itself is the same.

🏢 Especially Cheaper for Business Owners

For business owners, working with a broker isn’t just cheaper — it’s smarter.

We work with businesses of all sizes and industries, including:

Home-based businesses and startups

Restaurants and retail

Medical, legal, and professional offices

Service-based businesses

Multi-location operations

Companies with no employees to hundreds of employees

Because we understand how carriers underwrite different industries, we can place your business with the carrier that views your risk most favorably — often resulting in better pricing and coverage.

🔁 We Re-Shop Your Insurance Every Year

Another major cost advantage? We don’t just renew your policy and move on.

At Mauceri Bynum Insurance, we proactively re-shop renewals to ensure your coverage and pricing remain competitive year after year.

This helps prevent:

Loyalty penalties

Unnecessary rate increases

Coverage gaps

⭐ Why Choose Mauceri Bynum Insurance?

✔ Independent insurance broker
✔ No broker or agency fees
✔ Access to 30+ carriers
✔ Direct underwriter negotiation
✔ In-house service team
✔ No voicemail during business hours
✔ Voted Best of McKinney 12 Years in a Row

We make insurance easier — and more affordable.

📍 Start Saving with a Local Insurance Broker You Can Trust

If you’re wondering whether it’s cheaper to work with an insurance broker, the answer is simple: it can be — when you work with the right one.

Mauceri Bynum Insurance

(214) 733-8400

www.minsuranceagent.com

301 E Virginia Street, Suite 201
McKinney, TX 75069

👉 Start your quote or request a policy review today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx