The Ten Myths about Insurance People Believe

Choose Insurance Agent

Selecting an insurance agent should not be difficult, if you’re not sure, use these 5-tips to learn how to choose an insurance agent.

Despite all the hub-bub over buying insurance direct through the internet, purchasing auto insurancehome insurance and business insurance is still conducted through insurance agents for over 80% of all transactions. So, it’s pretty important to know how to choose a good insurance agent.

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Not sure how to choose an insurance agent? Here are 5 useful tips to help you understand if you’re working with a good insurance agent.

Before you learn how to choose a good insurance agent, do you know which type of insurance agent you want to work with?

First, there are different types of insurance agents, captive insurance agents and independent insurance agents. and you may want to select the type of insurance agent that is right for you before you begin shopping. If you don’t know the difference between these two types of insurance agents, check out captive insurance agent vs. independent insurance agent to help understand.

5 Tips for selecting a good insurance agent:

  1. Do you like the insurance agent?: – If you don’t like the person you’re attempting to work with, then you likely to get poor outcomes. Most good insurance companies have more than one insurance agent, so you’re not locked in to just one option.
  2. Doesn’t hard sell you: Insurance is part of your personal financial plan, so you shouldn’t make rash decisions. A good insurance agent should spend time with you and explain what the benefits and coverages offered by an insurance policy. If the insurance agent you are working with is pushing for the close, you likely made the wrong choice in insurance agent.
  3. The insurance agent understands you: Since your insurance is the foundation of your financial plan, your insurance agent should spend some time getting to understand your needs, your goals, and what your objective’s are. Purchasing your insurance is about you … and only you.
  4. Provides you choice: When you’re shopping for insurance, like all other things, having choices is always better. You want to work with an insurance agent who can provide you with options … both cost and coverage options. Working with an independent insurance agent is the best way to get options, because they represent several insurance companies, but you can still get coverage options from a captive insurance agent. If you insurance agent is not providing you options, and trying to sell you on a narrow coverage option, then they are not meeting options 2 & 3 …. likely because they don’t have many options to offer.
  5. The insurance agent works with recognizable companies: The better insurance agencies will have appointments with recognizable insurance companies, like Mercury Insurance, Travelers, The Hartford or Progressive. If you don’t recognize the companies on the insurance agent’s wall or window, you need to ask good questions and make sure you know who the insurance agent works with and their financial condition and reputation. This should not be a deal breaker, because some companies don’t advertise, so you’ll not be familiar with all of the “good insurance companies,” but when an insurance company is “good” the good companies want to work with them.

There are many ways to assess a good insurance agent, item #1 above will be the primary factor for many people, but spend a little time thinking through items 2 – 5 when you’re selecting an insurance agent. If you stick to these criteria, you’ll improve your chances of working with a good insurance agent.

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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.