What to Look For in an Insurance Agent

Finding the right insurance agent may seem to some like a daunting task, but it is an important one when it comes to having peace of mind for you, your family and your investments.  Below are a few tips in helping you choose the right agent for you:

1.  Look for a licensed professional with strong customer and community ties. 

2.  Ask what your agent specializes in.  Is it a full service agency, meaning they can handle all of your insurance needs?

3.  Ask your agent if they are a captive agent or an independent agent.  Captive agents mainly represent one company while independent agents represent many companies.  If the agent is independent, ask them which companies they represent.

4.  Expect excellent service and competitive prices, along with a thorough knowledge of their product as well as any special programs to help reduce your insurance cost.  Keep in mind that the lowest rate is not always the best value for you.  Your agent should be able to discuss all options with you so that you can make an informed decision.

5.  Make sure that you feel comfortable with your agent and their answers.  If you do not, find another agent. 

Take the time to find the right agent for you and your needs.  You want an agent that listens to you, asks you about your insurance needs and only wants to sell you policies that you need or can afford.  You’ll be glad you did.


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