Insurance broker review: is it worth using or should I just shop direct?

I'm looking to get better insurance rates and I'm wondering if using an insurance broker is actually worth it. From what I've researched, brokers are independent agents who work for you, have access to multiple insurers, and typically work on commission so it's free for customers. Apparently they can save 10-40% on premiums compared to going direct. The question is whether the savings are real or if it's just marketing hype.

What's making me curious is whether brokers actually deliver on their promises or if they just push expensive policies for higher commissions. I've been reading Reddit discussions and people seem to say brokers are generally worth it, but finding a good one matters. What's appealing about brokers is the expert advice and access to multiple quotes, but what's making me hesitant is trusting someone with commission incentives. Should I use a broker or shop direct? Have you used an insurance broker? What was your experience like? Did you actually save money? How much did you save? Were they pushy about certain policies? Would you recommend using one?