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Five Things You Must Do Before Selecting An Insurance Agent

Everyone needs insurance; however, many people don’t put much thought into selecting the right agent.  Selecting the right insurance agent should be as important to you as selecting the right doctor. 

The most likely reason people don’t spend enough time qualifying their prospective insurance agents is probably because they don’t know what to look for or the right questions to ask. 

Here are some quick tips that will help you find a good insurance agent.

1.  Find out if they’re an independent insurance agent or just an insurance agent.  An independent insurance agent is a small business owner who represents several different insurance companies and therefore will be able to shop the best deal for you.  Whereas an insurance agent sells directly to you without an agent and only works for one insurance company so he won’t be able to shop around for the lowest prices for you. 

2.  Ask your friends, family and co-workers for referrals. 

3.  Browse your prospective insurance company’s website.  Is it full of information?  Read about their history and each of the staff bio pages.  Do they have any customer testimonials?

4.  Look for their credentials.  If an agent has letters next to their name on the website or on their business cards, that’s an indication that they represent professional designations.  For example:  CIC stands for Certified Insurance Counselor, CPCU stands for Chartered Property and Casualty Underwriter, ARM stands for Associate in Risk Management.  An agent is required to take continuing education classes in order to maintain these designations.  Therefore, he has the knowledge necessary to provide you with professional recommendations that would best suit your needs.

5.  Take some time to personally interview your prospective insurance agent to get a feel for their knowledge and their integrity. 

After performing your due diligence and have found an insurance agent that has the expertise you’re looking for, you can rest assured that you’ve probably found a good insurance agent who will be able to provide you with exceptional service for years to come.

If you’re in need of insurance, please contact us.  Save-On Health Insurance Services is an independent insurance agency in Los Angeles, California.  We have been serving this community for more than 20 years and we represent only the top rated California companies so we can offer you the lowest possible prices.