Picking the right independent insurance agent who will take care of all your commercial insurance needs can sometimes be a tricky business, and if you’re not careful, you may end up with a “wishy-washy” type of insurance broker who can end up messing you up as well as your insurance plans. Instead, what you should be looking for is a good independent insurance agent who you will have a long-term relationship with; someone you will trust with your money and insurance processes.
This article provides some of the best tips you can look into to find that perfect independent insurance agent your you.
- Know the difference between independent insurance agents and any other insurance agents
Usually, independent agents may even be small business owners who represent different insurance companies compared to the other insurance agents who represent huge national insurance companies and are employees of specific companies and can sell insurance products only from these companies.
A direct insurance company can sell premiums to individuals without the help of an agent, typically online. An independent insurance agent will look for the best insurance company with the best covers and the best prices and match you with them.
- Ask for referrals
Yes! You should look at that new independent agent’s referral. Referrals from friends and family members can also do. You can also ask the agents about their overall customer service and follow through. Check if his/her policy is reviewed annually.
- Decide how much you value the agent’s location
Independent agents who reside or have offices near your place of residence has its merits. You can always stop by and ask the agent about any issues that you don’t understand or to clarify any matters that you haven’t fully grasped.
- Visit their websites
Websites have become quite handy, especially with the current tech and internet age. You can look up the agent’s bio, history, and even customer testimonials online and see his/her work done and how other customers testimonials about the agent.
- Look for credentials
This is a vital aspect that you must look into first before you do anything else. Ask the agents for their credentials that certify them to work as independent insurance agents. Ask for their business cards. You can use these steps to determine the agent’s professional designation. They should be able to present certificates like a Certified Insurance Counselor, Chartered Property and Casualty Underwriter, and Associate in Risk Management.
- Interview the independent agents
You should take steps to interview all of the agents you are considering to hire before you decide on which one you prefer over the others based on your interview. This also gives you a sense of who the agents are and other personal issues.
- Trust and knowledge are key
These qualities are usually not easy to determine in a new agent right away. They are qualities that are determined as time passes by and your continued interaction with the agents. But that shouldn’t excuse you from wanting to know at least a few things about the agent to try and develop a feeling of how the agent does his/her business.