Top Tips for Finding an Independent Insurance Agent
Choosing the right independent insurance agent for all your needs is essential to protect your interests and save you time and money. While there is no shortage of choices available, thanks to the magic of the internet, that same proliferation of available agents can leave you feeling overwhelmed.
So how do you choose the right independent insurance provider for your home, auto, and business?
Understand What an Independent Insurance Agent Does
There are two types of insurance agents: independent agents and captive agents. An independent insurance agent represents multiple companies and can provide various quotes from numerous companies.
On the other hand, a captive agent represents one insurance company (for example, Allstate, GEICO, or State Farm) and can only sell plans and policies from that company.
Consider Referrals First
First and foremost, consider obtaining referrals from your friends and family before going on a wild goose chase on the internet. Has a trusted family member used a reputable independent insurance agency and gotten great results? They can be the key to securing a new provider for you.
Check Out Online Reviews
If referrals from friends and family do not yield results, research different insurance agencies online. Pay close attention to the agency’s online reviews. While an agency can respond to customer reviews, it cannot have them deleted, which means these reviews are unflinchingly honest and invaluable to you, the customer.
Make Sure the Agency Provides the Coverage You Need
While many independent insurance agencies offer several types of coverage, some only offer one type (such as car insurance, boat insurance, or homeowner’s insurance). Before contacting an insurance provider, confirm they offer the coverage you need.
Verify Credentials
Verify the agents ‘ credentials once you land on a potential new insurance agency. Ensure they have the necessary experience and licenses to provide you with the coverage you need. Agencies with more experience can answer any questions about your coverage with expertise.
Compare All Quotes and Coverage Options
Don’t just grab the first policy that is offered through any agent. Instead, get a series of quotes and coverage options and compare what is and isn’t offered in each one. This way, you can determine whether you are getting the most “bang for your buck” with your policy.
Communication and Customer Service Are Key
Effective communication is key when dealing with insurance matters. Choose an insurance agent who’s easy to reach, available during regular business hours, returns all customer calls and emails promptly and professionally, and can effectively explain complex insurance concepts.
Additionally, an insurance agent should be dedicated to your satisfaction as a customer. Take note of how a potential agent addresses your concerns, especially when clarifying doubts or overcoming objections.
Which Agent Is Right for You?
As a customer, you have your fair share of choices when finding an insurance agency that’s right for you. However, following these simple steps will ensure you have a mutually beneficial and long-term relationship with your independent insurance agency for years to come.