A common misconception in insurance is that using an insurance broker costs you more than going direct. We’ve seen this not to be true time and time again, and so far 2025 is no exception.

Staebler’s Michelle Mortensen — Sales Broker, Personal Solutions, noted a rise in individuals finding real savings by using the broker advantage when shopping for their insurance, after several years of buying direct.

“People have seen sharp increases in premium and are looking for more options,” said Michelle. “I’m happy to be able to provide multiple quotes at once and find them the best coverages at the best price.”

Staebler Brokers have access to more than a dozen personal insurance companies to shop and compare for you. Going alone for your insurance needs may seem like an easy thing but it’s a complicated market, and often in the long run it will cost you more.

Renewals are Tricky without an Insurance Broker

One more piece of advice: It’s important to check your renewal documents carefully.

Coverages and policy wordings are being updated without policyholders fully understanding the implications. An experienced insurance broker is trained and well-versed in what to look for and can accurately compare policy to policy — giving you that independent advice you need to make the best decision.

“I’m also seeing more direct insurance companies reducing or eliminating coverages upon renewal,” notes Michelle. “That’s one way they’re making the insurance premium appear to be the same or less than what you paid last year. In some cases, your premiums might not be going up, but you’re getting less coverage for your dollar.”

Insurance Brokers Work for You

An insurance broker is licensed and regulated to work for you and disclose important coverage changes and what it means for your unique situation.

As the saying goes “you don’t want to be a law expert, so you hire a lawyer,” the same thing applies to insurance. There is no need to be an insurance expert, trying to decipher the technical language and coverages, when you can have an insurance broker on your side — they’re experienced and licensed to work on your behalf.

Still buying direct? Give Staebler a shot to see the options and prices you may not have access to. As always, Staebler Insurance quotes are free and you’re not obliged to purchase. It’s the best way is to compare the coverages you currently have to see a true comparison.

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Staebler Insurance is a general insurance broker specializing in car insurance, home insurance, small business insurance, and commercial insurance. Staebler Insurance Brokers proudly serve Kitchener, Waterloo, Cambridge, Guelph, Stratford, Listowel, Fergus, Elora, Wellington County, Perth County, Waterloo Region, the Greater Toronto Area, Golden Horseshoe, Niagara Region, and all over beautiful Ontario, Canada. Get a Quote to get started today.