What Makes a Great Insurance Agent?

About Me

What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


3 Questions To Ask When Choosing Your New Auto Insurance Company

If you have been using the same car insurance company for a while, you may decide it is time for a change. However, you may be uncertain as to how to go about selecting a new service. If so, start out by asking the following questions to start gathering information to help you choose a new auto insurance company.

Do They Offer Discounts for Safe Driving?

If you do not have any history of getting tickets or being involved in an accident, you may feel as though you should be rewarded for being a safe driver. One of the first questions you may want to ask is about any discounts they offer for maintaining a clean driving record.

Along with safe driving, you may also want to ask about any discounts they have for additional safety features installed on your vehicle. Some insurance companies reduce your rate if you have multiple airbags, backup cameras, or collision sensors already installed.

Do They Have a Multiple Vehicle Discount Plan?

After asking about discounts for safe driving and safety features, also ask the insurance agent whether they offer a multiple vehicle discount plan. They may give you a discount on each car or truck's premium if you insure the vehicles through their company.

Even if you only have one car at the moment, still ask about this type of discount plan. You may decide to purchase another vehicle in the future, so knowing about the discount could save you money down the road.

How Quickly Do They Pay Out Claims?

Once you know about discounts and premium rates, ask the agent about their general turnaround time for paying out claims. While each situation may be different, the agent should be able to give you an average time for when they typically pay. 

A fast turnaround time for claim payments is essential when selecting an auto insurance company. If something happens to your car, you do not want to have to wait months to be reimbursed for damages. A good insurance company should have an agent contact you within hours of an accident and handle payment quickly.

Asking the above questions while selecting a new car insurance company can help you get started with gathering information so you can find one that fits your needs. For more detailed information about a specific auto insurance company like Crowel Agency, Inc., contact an agent to discuss any specific services, deals, and policies they have to offer.