7 Tips to Selecting the Right Independent Insurance Agent

Selecting the right independent insurance agent to handle your insurance needs shouldn’t be a “very, very, very, very small” decision. you are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without shopping around, and you shouldn’t select an independent agent without doing some research as well. so what should you look for?

  1. Know the difference between independent agents and other insurance agents. An independent agent may be a small business owner who represents several different insurance companies. By contrast, agents representing large national insurance companies are employees of their company and only sell products from that company. A direct insurance company sells directly to you without an agent, usually online. an independent agent has the opportunity to best match price and coverage for your needs, and if an insurance company is competitive one year but not the next, your independent agent can quote other companies. that’s why they are called independent.
  2. Ask for references. References from family, friends, and colleagues are a good starting point. when you ask, find out why they like their independent agent. ask about their customer service and follow-up, if the agent is friendly and knowledgeable. Is your policy reviewed annually?
  3. Decide if location is important to you. It may be important to you that your independent agent has offices in your community. you have the convenience of being able to stop by to ask questions or help with a claim and develop a relationship of trust. many independent agents are deeply committed to their community and are actively involved as coaches, scout leaders, or civic leaders.
  4. visit their websites. websites are full of information. read about the history of the agency, biographies of staff, testimonials from their clients. See if their website provides insurance information and easy access to price quotes, either online or by phone. Websites can give you an idea of ​​the agency’s personality, what they consider important, and the type of customer service they provide.
  5. look for credentials. a knowledgeable, independent agent can give you the advice you need when deciding what coverage and limits you need to protect you and your family. look for independent agents who have letters next to their name on their business card. These represent professional designations, such as Certified Insurance Assessor (CIC), Licensed Property and Casualty Underwriter (CPCU), Associate in Risk Management (ARM). To maintain these credentials, independent agents must take continuing education classes.
  6. Interview Independent Agents. You should interview the independent agents you are considering. Personality is important as you must like the agent you are going to work with, possibly for several years. you should have respect for their knowledge and have a sense of their integrity.
  7. knowledge and confidence are key. it is not so easy to determine knowledge and confidence because these qualities are established over time. But you can start by asking the independent agents you’re considering to explain the products they sell and how they determine what products, coverage, and limits you need. this will give you a good idea of ​​how the agent does business.
  8. Remember that your relationship with a good independent agent is likely to last a long time, so it’s worth taking the time to choose the one that’s right for you.

    Reading: How to find an independent insurance agent

    See also: Best Cheap Health Insurance in Utah 2022 – ValuePenguin

    As your independent agent, our job is to help you select the best coverage and limits at the most competitive premiums from a variety of insurance companies we represent.

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