Most people tend to think that choosing an insurance agent is an easy task as they only go for the agent that offers the lowest price. Well, that’s necessarily not the case and probably shouldn’t be at the top of your list of priorities when choosing the best agent.
Lower price can possibly mean inferior coverage and that fine not until you experience a loss that isn’t covered. Consequently, below are a few essential things you ought to consider when choosing an insurance agent.
Personality Traits
Agents typically get paid commissions by the insurance company. And so it is important to find one who is honest as well as trustworthy. Also, they should be passionate and enthusiastic too about what they do, and of course you should like your agent. It is much easier to do business with the person you like than a person you don’t know.
It’s also vital to diligently do your homework before selecting an insurance agent just as you would do when comparing insurance quotes. When researching, your first critical step is to Google the agent’s name as well as agency. Also check if there are any news articles about them or if they have ever faced law suits. Furthermore, look at their websites and see if there are any reviews about them.
What to Expect after Binding Coverage
Your agent’s agent is usually not done once you’ve bound coverage and so your expectations of them shouldn’t end there either. Customer service is typically what is going to separate a good agent from a great agent. Let’s say you purchased a new piece of equipment, built a new structure or the previous one underwent renovations, all these things along with many others can possibly affect your insurance policy.
Therefore, your agent should always be checking in with you periodically throughout the year to ask about any changes that might affect your policy. What’s moreyour agent should also be one that is approachable and reachable too at all times because when things do happen that’s when you’ll need your insurance agent the most.