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What Makes A Good Insurance Agent?

Author : Spanky Pants

When it comes to insurance protection, people want a long-term connection with a trusted advisor they can turn to many years into the future.

In fact, a survey by the Independent Insurance Agents & Brokers of America (IIABA) found that:

·         Three out of four insurance consumers use an agent when purchasing personal insurance.

·         More than half the respondents over the age of 55 have purchased insurance from the same agent for at least 20 years.

·         More than 60 percent say they value the opportunity to discuss insurance with a real person.

If you’re like most people, you want to develop a long-term relationship with an agent that you can depend on. So how do you make sure that the agent is professional, understanding, and reputable? Here are some things to look for:

·         Independence: Independent agents represent an average of eight different companies. This allows the agent to examine and compare the products and services of several insurance companies to find the right combination of coverage plans and savings value to you.

·         Licensing by the state.

·         Contact numbers and names of all companies that the agent is representing.

·         Number of years that the agent and agency have been in business.

·         The agent’s professional designations. For example: CPCU (Chartered Property and Casualty Underwriter), and CLU (Chartered Life Underwriter) are two among the industry’s most rigorous and prestigious designations.

·         Areas of specialization. Some agents and agencies have experience in specialized products and services, for instance insurance for insurance for farm, classic cars, or home and business.

·         Guidelines and referrals. How did you hear about the agent and the agency? Did someone refer you? Ask the person who referred you specific details on their experience with the agent and agency.

·         Full-service capability. Ask who will handle your account for routine updates and transactions.

·         Hours, Emergency Numbers, and Claim Services. Also find out if you can contact the agency after hours. Because you should always be able to get a hold of the agency for any claim or other emergency needs.

·         Claims help. Ask if the agent plays a role in handling and tracking claims for you. Will the agent help resolve disputes that might arise with an insurance company.

·         Policy review. Does the agency occasionally review and update policies to make sure that your policy is keeping pace with the changes in your situation?

·         Community involvement. Does your agent participate in any local organizations, boards, volunteer activities, or any other civic endeavors?

·         Industry associations. Does your agent participate in any local, state, or national trade associations? These activities often signify the professionalism and the commitment to continuing education in the insurance field.

Why an Independent Agent?

When searching for any insurance, most people are unaware that there are different kinds of agents that are available to choose from. Choosing the right one can make a substantial difference in securing the combination of price and value.

With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. With an independent agent, not only do you get eight or more different choices of companies to choose from this also allows the price flexibility that all consumers look for.

This is because an independent insurance agent, represents multiple brands, and compare coverage and prices to the best possible value for your individual circumstances. Independent agents are usually vested members of your community who are committed to doing business face-to-face and being your advocate in times of need.

They also:

·         Work for you when you have a claim.

·         Are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.

·         Are your consultants, working with you as you determine your needs?

·         Are value-hunters who look after your pocketbook in finding the combination of price, coverage, and service?

·         Offer one-stop shopping for a full range of products, including home, renters, and auto, business, life, health, and retirement plans.

·         Can periodically review your coverage to keep up with your changing insurance needs.

·         Are committed to customer satisfaction-it’s the key to their livelihood.

·         Treat you like a person, not a number.

·        Are licensed professionals with a strong customer and community ties? There is a difference.

Author's Resource Box

Jerry Ellis

Ellis Insurance Agency

15335 San Pedro Ave.

San Antonio, Texas 78232

Phone 210-979-9000

Fax: 210-979-9180


Auto Insurance Texas, Auto Insurance San Antonio, Auto Insurance Austin, Boerne Auto Insurance,Bulverde Auto Insurance, Bexar County Auto Insurance, Travis County Auto Insurance

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Tags:   Auto Insurance Texas, Auto Insurance San Antonio, Auto Insurance Austin, Boerne Auto Insurance, Bulverde Auto Insurance, Bexar County Auto Insurance, Travis County Auto Insurance, business

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Submitted : 2011-03-01    Word Count : 757    Times Viewed: 448