Small Small Business rates in Washington are determined by the insurance carrier and published with the Department of Insurance and no broker can adjust these published rates. Any adjustment to the Modified Community Rate is determined by the insurance company, not your insurance broker. Washington has a 3.75 rate adjustment factor, which means that the insurance carrier can charge you 3.75 times the amount of the community rate if your group has a high claims history or certain pre-eisting medical conditions. So, if you request quotes from other brokers for the same insurance company and plan, such as Premera Blue Cross, your rates will be the same. The advantage in requesting quotes from other brokers, aside from keeping your broker honest, would be to look at or consider plan options that your current broker does not offer. If you broker is a licensed agent for multiple insurance carriers then he/she can assist you in considering these other options. If you request quotes online, be aware that many websites will sell your information to multiple brokers in your area and you will receive many calls. This isn’t necessarily a bad thing if you are looking for multiple quotes.