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Choosing an Insurance Agent

Posted on 21. Feb, 2014 by in Insurance

When choosing an insurance agent, you should make sure that you have done your homework. Hiring a good agent can not only save you a lot of grief in a tight situation, it can save you a lot of cash as well. Keep the following points in mind when you are on the hunt for a great agent in your area:

Generally, the rule of thumb is to focus on your needs first, and then look for an agent who can satisfy those needs second. What exactly are your specific requirements? How much coverage do you think you should have, and what is the highest deductable amount are you most comfortable with paying? After you have answered these questions, you are ready to seek out an agent.

Word of mouth can be your most vital asset in searching for a reliable agent. Ask friends and family for referrals and follow those leads. If a friend with a similar situation and goals loves a certain agent, you will likely do well with them too. Also check online for reviews and recommendations. Reputation means everything in the insurance business, so if you see a few bad reviews, you should probably move along to the next candidate.

Licensing and credentials are also important points to consider. If an insurance agent is not licensed, then they are likely scam artists. Check with your State Department to ensure that any potential agents are licensed and legally able to sell you a policy. Credentials, while not state mandated, do well to recommend an agent who is willing to go above and beyond the basic requirements and become more certified in their field.

You will likely have the most success at finding an insurance agent by looking at a few different companies, so take your time and be broad in your search. Interviewing a few of your top picks may help you make the right choice.

Take these easy steps and you are sure to find a great agent who will serve you well.

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