Things To Look For When Choosing A Car Insurance Agent

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Finding the right car insurance agent can make a huge difference if you ever need to file a claim. This is one decision you don't want to leave to chance. The right auto insurance agent can ensure that you get the appropriate insurance protection for your needs without paying more than necessary for coverage you don't require. Additionally, the right auto insurance broker can be a lifeline if you need to file a claim by making the process as simple as possible for you. These are a few critical things you want to look for when you choose your car insurance agent.

Independent Agent vs. Direct Writer

Independent car insurance agents work with different insurance providers while direct writers work with a single provider. This determines their flexibility in finding better deals. Plus, it allows independent agents to seek coverage options that are more suitable to your specific and unique auto insurance protection needs. In other words, an independent agent works for your needs while direct writers are employed by the insurance provider and ultimately work for that organization.

Expertise

While experience is important, it isn't everything when it comes to your car insurance agent. In fact, there are a few professional designations that could indicate specific education and expertise that are worth their weight in gold. Consider looking for an insurance agent that has one of the following designations, indicating that they are truly experts in their fields.

  • CIC – Certified insurance counselor
  • CPCU – Chartered property casualty underwriter
  • CRM – Certified risk manager
  • AAI – Accredited Advisor in Insurance
  • CISR – Certified insurance service representative

An auto insurance agent with one of these designations has gone through additional training and coursework that other insurance agents have not. This extra training makes them subject matter experts and means they can help you make better-informed buying decisions when comparing your auto insurance options.

Reviews – Social Proof

It is easier than ever to seek social proof that an insurance agent treats their customers well before and after the sale. Take a little time to read reviews from people who have purchased insurance from this agent and had to file claims in the past. While there will usually be a mix of good and bad, seek specific information on integrity, customer service, and help with the claims process.

Finding a car insurance agent that will treat you fairly and honestly is more important than ever when every penny counts. Keep these things in mind when choosing your next auto insurance agent.


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