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Local Insurance Agent . . . 5 Powerful Benefits |
A Good Agent...
Here are tips on finding
a
valuable insurance ally
. . . at no extra cost
1. Accessibility
You communicate directly with a real person, who is nearby if needed.
2. Old Fashion Accountability
To be successful, an established local insurance agent relies on good "word-of-mouth" reputation within his or her community. This is accountability the old fashion way and it's still pretty effective. Furthermore, you're a name, not a number, and you deal with known, not anonymous people.
3. Practical Know-How
Insurance can be complex. A good independent agent can offer you experience, know-how, and professional resources, all of which could prove to be invaluable over time.
4. No Added Cost
In most cases, for life insurance or health insurance, the service of a independent agent or agency costs you nothing. With or without an insurance agent, your premium is exactly the same. (For car insurance, some companies charge about 5% extra if you use a local agent.)
5. Greater Privacy
Shopping for insurance on-line may compromise your privacy. In fact, some insurance-quote websites are simply set-up to gather and sell your personal information. (See Internet Secrets for more details.) On the other hand, a good local insurance agent usually has a very good reason to guard your privacy. (See "2. Old Fashion Accountability" above.)
Here are some tips on what to "look for" and "beware of" in a local insurance agent.
*Look for an agent who is independent (with respect to life and health insurance) and is able to show you a choice of competing insurance policies.
*Look for an experienced agent, who you believe will be in business in your area for the long-term.
*Look for an agent who first asks questions about your needs before recommending a plan. Different insurance plans work better for different people. A good agent understands this fact and will attempt to discover your personal wants and needs before making a recommendation.
*Beware of an agent who fails to ask you qualifying questions, or who is pushy, or who dismisses your questions as not relevant.
*Beware of an agent who only has a single product, you've never heard of the insurance company, and it happens to be cheaper than anything else you've seen.
*Beware of an agent who tells you to believe important features about a plan that you cannot find in writing.
*Beware of an agent who encourages you not to be totally forthcoming and truthful on any insurance questionnaire.
This is just a guide. Always use your best judgment.
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