The internet can be a goldmine for seeing reviews and getting other information about a potential car insurance agent’s customer service skills. Still, though, if you want to work with the very best, you’ve got to do a little bit of homework.
So, how do you find an agent that’s ahead of the pack?
Easy! Just look for these 7 things:
If you’re dealing with a “captive” agent, it means that he can only sell you a policy from one insurance company. If you want to see what other insurance companies have to offer, you’ll have to do the research yourself. However, independent car insurance agents work with a number of different companies, so you can turn to one person for all of that comparison shopping you want to do. One of these agents will be able to take all of your information and pull up a variety of quotes to choose from, from a variety of different insurance companies.
In addition to making your shopping easier, working with an independent insurance agent means you’ll never feel “stuck” with a particular company or policy.
It goes without saying that your insurance agent needs to have a valid license, but simply being licensed doesn’t necessarily mean that your specific agent is a true expert in his field.
What sets the experts apart?
The very best agents will be able to make even the most complex of insurance issues easy to understand so that you know what your policy covers — and, more importantly, what it doesn’t! An expert agent will also be able to answer any and all questions you have without batting an eyelash.
Finding a car insurance agent with the right expertise can also save you a ton of money! For example, an expert agent will know details of discounts like the back of his hand. That way, when you sign on the dotted line, you can rest easy knowing that you’re saving as much money as possible – without cutting corners in your coverage.
3. A sense of community
A truly great agent knows that he’s not just running a business; he’s also serving a community. The best insurance agents will work hard to build a relationship with their customers. They’ll also be happy to sit down with you face-to-face whenever you have a question or a concern. They’ll never make you feel like you’re inconveniencing them, or like they’re doing you a favor by answering your questions.
Every car insurance policy on the planet comes with pros and cons. For example, if you want higher coverage limits, you’ll have to pay more in premiums. Whatever pros and cons come your way, a great agent won’t hesitate to tell you about them. Unfortunately, though, because they make a commission on every policy they sell, some agents gloss over the negatives. If you don’t know the full story behind your policy, you could wind up with a real problem if you ever have to file a claim.
Bottom line — you’ve got to be able to trust your agent. If something seems too good to be true, ask for some clarification. If you don’t feel like you’re getting the full story, find another agent to work with!
5. A great relationship with the insurance company itself
You probably think it goes without saying that your agent is going to have a good relationship with the insurance company he’s representing. However, it’s important to find out just how good the relationship is!
If you ever need some help with your claim, a great agent will be able to step in for you. It may be as simple as calling the adjuster and getting a status update, or as complex as getting to the bottom of a specific claim decision. Either way, the better the relationship is between your insurance company and your agent, the better things will be for you!
6. An ability to be thorough
The more thorough your insurance agent is, the better your policy is going to be at addressing your specific needs and wants. A great agent may come up with ideas and scenarios you never would have thought of on your own – but that go a long way towards making your insurance coverage even better. A great agent will never approach his clients with a one-size-fits-all approach. Instead, he’ll take the time and energy to personalize your coverage as much as possible.
It’s important to find out why your specific agent chose to work for a specific insurance company. He should be able to give you concrete reasons as to why he’s proud to be associated with them. That way, you’ll be able to feel more comfortable every time you head out onto the road!
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