When you call your insurance company, do you speak with an automated system or a real person? Having an agent that you can count on and trust makes being insured a better experience. Whether you have questions that you can't seem to figure out or issues that you need handled right away, an agent is there for you.
Choosing the Right Company
There are all types of insurance agencies that claim to provide you with the best rates and the best service. You job is to find the one that works well for you. You may have seen a new commercial that made you want to consider a certain company or you may just be in the process of shopping around. In either case, narrowing down the company you want to work with can help.
Location
For some people it is important to have an agent on their side of town that is easily accessible. If you plan to stop by frequently or make changes to your plan that will require your signature, it might be a good idea to find someone close to home. However most of the communication is done over the phone, through email or even a fax or two. You want someone in your city and definitely someone in your state, but from there the choice is yours.
A Friendly Disposition
Everyone wants an insurance agent that is pleasant to talk to and work with. You could potentially be calling this person with problems, concerns, or even to file a claim. When you meet with potential agents, look to see which individuals make you feel comfortable and provide you with the opportunity to ask questions. Start up a working relationship on the right foot.
Rates
While you would probably love to choose the person that you get along best with, the insurance premium can be the determining factor. An agent that can provide you with the same coverage as someone else at less of a cost is going to get your vote every time. If you are shopping with affordability being the most important option, it may be necessary to look over some of the other qualifications.
One of the best qualities in an insurance agent is a desire to take care of the customer. This means checking to make sure that you aren't missing out on any discounts. He or she checks to see if there are any programs or requirements that could bring down the cost of your premiums. When you ask about a change, this agent comes prepared and provides you with the numbers and options that you need. Knowledge of the industry is important. Knowledge of you and your family's needs is even better.
By: aabadie
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