How important finding a good insurance agent really is…

Your auto and homeowners insurance is far too important of a purchase to not discuss it with a licensed, professional advisor! That person is known today as and an insurance agent. Just like your accountant/CPA, doctor or dentist, your insurance agent is the person you should trust and know in the event of an emergency. With all the different options available for selecting insurance, it has become increasingly difficult for consumers to find good agents and companies to do business with. The Internet is endangering the local insurance agent and is quick to note insurance professionals are not expendable like employees. There are several factors to consider when looking for a reputable agent who cares more about your needs rather than just selling you a policy. Consider the following before choosing your agent:

Financial Strength of the Company – An “A” Rated or better Company will have the financial stability to be there for you down the road if you ever need to file a claim. The lowest cost isn’t necessarily the best choice when it comes to insurance. What good is the policy if you can’t reach the agent or company in a catastrophe or even worse, the company goes bankrupt?

Professionalism – Like most consumers, people shopping for insurance like to do business with local representatives in the area. Stop by your prospective agents office and make sure it is professional and legit – not someone’s garage apartment! The agent and customer service representatives should all have the proper licenses and be willing to answer all your questions you may have about coverage or claims.

Availability – The worst time to find out you cannot get in touch with your insurance professional is during a claim. Make sure your agent or licensed representatives of your company are availability 24/7 because you never know when an accident or catastrophe will occur.

There are so many advantages of having and knowing your local insurance agent some of which include:

Setting up your insurance policy in person with a local agent will help give you balance of coverage while at the same time give you pricing based upon your individual situation and status.

Having someone who knows the risks and possible coverage’s you need specific to your area that should be thought of when obtaining a policy. For example, areas highly affected by flood, theft, tornadoes or hurricanes.

Getting advice on your territory or fire department rating that only someone who lives and works in your area would know about.

Learn how to save money by getting all the available discounts for your situation.

Being able to talk to the same person each time you call with a question or need to change something to your insurance policy.

Get answers when you need them when events happen – For example, your house has a tree fall on it from lightning and you need to talk to a local agent who can see what the damage looks like and help you file a claim right away.