When looking for an insurance agent, it’s important to consider several different factors. Remember, the agent you are considering will be the first person you likely go to for help in filing a claim.
A good insurance agent can go far in helping you determine what type of coverage you are looking for, how much coverage is needed, and can assist you through the process of filing claims and modifying your coverage at a later date, if needed. Therefore, it is important that you take the time to carefully research each agent and their coverage options. Below are some items to consider when determining which agent is right for you:
Is this agent a captive agent or an independent agent?
In the insurance industry, there are two types of insurance agents. One called a captive agent, who provides a quote from one insurance company exclusively. The other, an independent agent, can provide you with quotes from multiple agencies – providing you with the best coverage and rates available.
Is the agent you are considering full service?
What type of insurance does the agent offer? Are you looking for one type of insurance only, or are you looking for several types of insurance such as car, homeowners, etc. Having multiple types of insurance with one agent can make it much easier to ensure you have the best coverage for each type of insurance.
Does this insurance agent provide the customer service I expect?
A question you must be sure to look for is how much help you will get if the time comes that you need to file a claim with your insurance. Some questions to ask include whether you can contact your agent directly if you need to modify your policy at some point.
How connected and experienced is this agent?
To find an insurance agent, be sure to ask friends, family, and colleagues for recommendations. When you do find a potential agent, ask about their experience in the insurance field, and for potential referrals.
Regardless of which insurance agent you choose, remember to carefully look at all the factors. Remember, insurance is protection for the event an emergency happens. When an emergency happens, you need to be able to trust that the agent and insurance you have will be able to protect you and your loved ones.