Choosing Your Insurance Agent - 7 Questions To Ask

When you make the important decision of choosing one insurance agent or company over another, you have to ask yourself one question. Why?

You are placing the security of your most valuable assets in the hands of someone you may not necessarily know. But even if it is someone you know, do not make the mist`ke of letting emotions drive your decision. Remind yourself how important this decision is for both you and your family.

You may have your home, your auto, your health insurance, your life insurance, or all of the above with one insurance company. If you are a business owner, you may even have your business insured with this insurance agent and insurance company.

You do not want to find out too late that you have made the wrong decision. Make sure you feel comfortable with the person you choose to work with and that you can talk to them about anything concerning your policies or about the claims you may have in the future.

Do a little research to learn more about the company and the agent. Ask your friends and business associates who they recommend. That is one of the best ways to "insure" you make the right decision when it comes to protecting your family or your business.

So, why choose one agent (or company) over the other when they seem to offer basically the same services or products? Here are seven things to consider when choosing an agent or the company they represent:

1. Does your agent have at least five years experience with a solid track record for handling claims and servicing their customer base?

2. Are they involved in the community they serve? Do people know, like, and trust them?

3. Are they constantly seeking new learning opportunities and continuing education?

4. Do they have a reputation for delivering above average customer service?

5. Does the company they represent have a solid financial foundation? This is more important now than it ever has been due to the economic crisis many companies are facing.

6. Do they handle claims in the same location?

7. Do they have a caring support staff that can answer questions and offer assistance when your agent is not available?

In a time of crisis, you want to make sure you are dealing with someone who can offer the support you need and make sure you and your family are taken care of. You want a trusted advisor you can count on now and for many years to come.

Article Source: Wes Dugan


  1. This is the perfect blog for anyone who wants to know about this topic. You know so much and you definitely put a new spin on a subject that's been written about. Home Insurance Discount

  2. I like that you say you shouldn't necessarily trust a friend to be your insurance agent. While taking advantage of your connections is generally a really good thing, I think sometimes people miss out on better options because they think that it's cheaper to use friends. Sometimes your friend may not be the best option though. When I buy home insurance I'm going to find the best agent out there.
    Claudia Rosenburg |

  3. I might also add, do they jump right in with a plan that you should go with the first time you meet them? If you haven't told them much about your situation, they are just trying to sell you something. If they listen to you, it's a good sign.

    Anita Mas |

  4. What great information for what to look for in an insurance agent. I personally really like the idea of having someone who has at least five years of experience. That really is a good cushion to make sure that you're getting someone with experience. Thank you for taking the time to share with us.

  5. I really like your tip on finding an insurance agent that is involved in the community. I think it is important to find an insurance agent that is located in and liked by the community they service. We personally know our insurance agent and like that he knows our personal situation.

  6. I like your list of questions to consider when finding a new insurance agent. It seems like finding an agent with at least 5 years experience would be beneficial to help you get good rates. My brother is looking for a new insurance company and wants to find an agent that is knowledgeable about the discounts he may be qualified to receive.

  7. Its a very useful information who wants to get a right insurance policy. its not easy to find right insurance policy or broker but this info can get you to take a right decision.

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  8. I say you should always go with a local insurance company because they are usually more invested in the people in your community. Also they usually are just providers of big insurance companies so they are focused on finding you the best policy for you rather than trying to sell you what they want to sell. Make sense? Anyway, thanks for the article!

  9. Awesome post you have here! A very helpful one. We should be very careful when selecting health care plans. Anyway, Thanks for sharing!