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What to Look for When Selecting the Right Independent Insurance Agent?

Whether you are looking to buy one policy or multiple policies, you must choose the right independent insurance agent you can trust. However, if it is the first time, you may not know what to expect and where to start. Don’t worry; read more to find out.

Tips on Choosing an Independent Insurance Agent

  1. Understand Independent Insurance Agents and Other Insurance Agents

    Independent insurance agents are mostly affiliated with or represent several insurance companies to shop around and find you the best policy at affordable rates. Contrarily, a captive or direct agent works for a specific insurance company and sells only their products. So, you cannot shop around and compare prices to find the best deal.

  2. Get Referrals

    Getting referrals from your friends, relatives, and colleagues is a great way to find a trustworthy insurance agent. When you ask about agents, ensure to ask about their customer service and follow-through, like whether they review policies annually or are friendly and knowledgeable. This will assist you in making informed decisions.

  3. Decide If Location Matters to You

    Though many insurance agents are offering services online or over the phone, some people look for local agents to enjoy the convenience of meeting them in person and asking questions they may have concerning a policy or filing a claim, thus developing a friendly relationship. Likewise, you can also hire independent insurance agents having offices in and around your community.

  4. Check Out Their Websites

    Visiting the website of the insurance agent will help you know their history, customer service, products they offer, customer testimonials, etc. Check if their website provides all the information you look for while helping you get quotes online or by phone.

  5. Check Their Credentials

    Trusted and competent insurance agents are those who represent professional designations, including Chartered Property and Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), and Associate in Risk Management (ARM). Therefore, check whether the insurance agent you are considering has any of these credentials so that they can provide you with the best resources and product knowledge you need to decide on the right coverage.

  6. Interview Them

    You must interview the independent insurance agent you are planning to work with to ensure whether they are personable and compatible so that you can develop and maintain a long-term relationship with them. Also, they should be skilled and proficient at helping you choose between coverages based on your risk exposures.

  7. Trust and Knowledge Are Crucial

    Have a conversation with the agent you are considering to check:

    • Do they explain the different insurance options available?
    • Do they make time to clarify your doubts or answer your questions?
    • Are they trying to sell one particular policy?

This will help you understand whether they can be trusted and talented.

Your relationship with your insurance agent will likely last a long period, so take your time to choose the right person.

Consult with CF&P Insurance Brokers

If you are looking for a reliable and top-rated independent insurance agent offering best-in-class insurance policies at competitive rates, contact us today at CF&P Insurance Brokers. Whether you need commercial insurance or personal insurance, we will tailor the coverage to your specific requirements.

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