This article will discuss how to pick an insurance agent. It might be one of the most important questions an up and coming person may consider. Most people don’t spend a lot of time thinking or worrying about insurance coverage. However, the risks associated with having inadequate, or even worse no coverage, are increased by not having a professional agent helping you make decisions.
When you are just starting out on your own, you may not seem to have much property or income yet to have a significant risk exposure. While you may have a decent car, chances are it was purchased used, and is close to ten years old. At the same time you are renting an apartment and have yet to make any significant large purchases. At this stage of your life, your insurance needs are not very complicated, and almost any kind of a reputable insurance company can handle your account.
Even at this stage you need to be certain that your needs are placed before the company’s priorities.
Success Creates Risk
As an up and coming successful person you will soon find your income increasing dramatically, along with a corresponding growth in the quality and quantity of your personal possessions. Because of that success and growth you will also find that you will establish lifelong personal or professional relationships that you will have a duty to protect through financial arrangements.
It is at this stage of your life that you need the help and advice of an insurance agent. You nee a person who can work with you to build a package of protection designed to safeguard your family, friends, and possessions. It is at this point that you need to ask the biggest question of all, involving who you will trust with this responsibility.
Now some might suggest that it is okay to go a national insurance company and rely on some television spokesperson (or cartoon character) to give you advice. Unfortunately unless you are a person with limited net worth and an uncomplicated insurance situation the advice they will give you may not be in your best interest. You must find a better solution.
Who Do You Trust?
The next method of obtaining coverage is to ask your relatives who they recommend. While this might lead to a good agent, you are in effect sidestepping the issue and allowing someone else to make the decision for you in this important matter.
The best idea is to look for an established licensed agent in your area, who is also a leader in your community. He will be the person who insures your barber and your lawyer. He will be a member of the chamber of commerce and might even be a member of the volunteer fire department. In short, he will be an involved member of your community. At the same time, he will be licensed by the state to handle a variety of insurance coverages, including life, health, home, and auto insurance.
When you first meet with him he will spend a great deal of time getting to know you and your family along with your property and financial situation. It is only after that interview will he make a variety of recommendations on his various companies he represents along with the types and amounts of coverage he believes you may need.
Local Is Better
When you search for an insurance person on the web, look for a person with a local connection, someone who has a physical address that you can visit if needed. If you are looking at the agent’s website consider, “Is it a person or a company I’m trying to find?” If you desire someone that you can begin a long-term trust relationship with, then their name, address and contact information should be available. Ask yourself why you should trust someone who refuses to let you know who they are unless you send them your information first.
Deciding on who should provide advice to you on your insurance purchases is ultimately based on who you believe can give you the best information on a variety of insurance companies and plans. Choosing correctly can allow you a sense of security at a reasonable price at a time when you are most vulnerable to loss.
Your priorities should be, 1,) Find someone you trust, 2.) Feel comfortable that the plan they recommend is suitable for your needs, 3.) Be certain they will communicate openly with you on your terms, and 4.) Determine if their pricing is providing good value.
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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.