Falcon IS a broker. They do the same as all brokers. I guess they are
as good as any. I think you should get two quotes, one from a company
like Falcon (which isn't an underwriter), and one from a AVEMCO.

With the exception of AVEMCO, ALL of them are brokers. If they broker
for many underwriters (there are not that many underwriters, only about
6 or 7), then they can shop around among their underwriters for the
best insurance. This is fine. What will happen is they will want an
N-number (wont quote without one), and NO other underwriters will quote
on that N-number for some period of time (I don't know how long). That
is what is a problem. The insurance companies claim they need this. I
don' t know how to get around it. You could make up an N-number, or use
some other plane's N-number, but that's a little unethical and you
wouldn't get a binding quote with a bogus N number. See if you can find
out how long the lock will exist before it expires. Ask Falcon.They
will probably tell you they don't know, but be insistent. Ask them who
would know.

What I would do is ask around your local airport and find out the names
of brokers your fellow pilots are using. Also, brokers are sometimes
limited to what states they can work in, not always.

The underwritiers are USAIG, AIG, companies like that. AOPA is a
broker. Falcon is a broker. But to access the underwriters like USAIG,
you need a broker. That is the way it works.