| Insurance 101 - Finding The Right Agent
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| | Meet each agent in person. If to this
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| The field of insurance is complicated and
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| | point you have only talked with your
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| highly specialized. Few people know a lot
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| | potential agents over the phone, insist
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| about it, and most of us find it
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| | that any follow-up meetings be
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| confusing, boring, or both. Insurance
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| | face-to-face. Do the agents appear
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| agents are often held in similar esteem
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| | professional? Do their offices seem
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| to used car salesmen, and as a result,
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| | well-managed? If not, then these are
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| our insurance needs are often put on the
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| | factors to take into consideration.
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| backburner until it is too late.
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| | Keep in mind that a good agent will ask
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| Having the appropriate insurance coverage
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| | you plenty of questions to find the right
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| for your various needs is a crucial
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| | policies for you. The difference between
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| element of financial security, and thus
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| | a salesman and an insurance professional
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| it should not be overlooked. Finding the
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| | should be readily apparent.
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| right insurance agent, with whom you can
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| | Don't buy insurance from someone who
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| determine what types of coverage are
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| | tries to guilt you into purchasing more
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| right for you, makes navigating the
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| | than you think you can afford, or
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| complex world of insurance considerably
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| | intimidate you with what he or she
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| less difficult.
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| | considers their superior knowledge. In
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| Three Steps To Get Started
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| | fact, learning as much as you can about
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| Shop around. Talk with at least five
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| | the different types of insurance that
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| agents from at least three different
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| | you're in the market for can be your best
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| companies or offices. Talk with them
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| | defense against an agent who is more of a
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| about your insurance needs and see what
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| | salesman than a true professional.
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| types of coverage they have in mind.
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| | Making the Final Selection
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| Compare not only the premiums you will
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| | Before signing the dotted line, it is
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| pay, but also the coverage being
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| | important to do a little more homework.
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| provided.
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| | First, review the financial stability of
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| A good agent will explain things
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| | the agent's company. If the company goes
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| thoroughly, and it should be evident
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| | under, then all of the premiums you will
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| whether they are looking out for their
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| | have paid won't amount to anything.
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| own interests by trying to sell you the
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| | There are several annual reports on the
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| most insurance possible, or looking out
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| | financial soundness of insurance firms,
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| for you by trying to find the types of
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| | the most famous of which is Best's
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| insurance that best suit your needs.
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| | Insurance Reports.
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| Visiting with at least four or five
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| | Secondly, check your state's insurance
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| agents will make these distinctions
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| | department for claims and complaint
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| clear.
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| | information on your agent's company. Some
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| Evaluate. Evaluate the different types of
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| | companies develop a bad reputation for
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| coverage proposed by each agent you meet.
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| | not paying on claims, and no matter how
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| You should be able to eliminate at least
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| | friendly your agent is, it is important
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| two agents from consideration right away.
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| | to remember that insurance is a financial
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| Schedule follow-up meetings with the
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| | product, and you and your agent are
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| other agents to ask them any new
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| | ultimately involved in an impersonal,
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| questions you might have.
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| | business transaction.
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| Also, call the Better Business Bureau to
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| | While it is important to have an agent
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| see if any of the agents you are
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| | with whom you can get along, at the end
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| considering have had any complaints
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| | of the day, your insurance must be a
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| against them. If so, what were the
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| | useful element in your financial
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| complaints? An agent with a bad record
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| | planning.
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| should definitely be avoided.
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