Car Insurance Agent

A car insurance agent will be responsible for helping you get the proper coverage for your car and you as a driver. So you wouldn’t want to put that immense responsibility with a fresh-faced car insurance agent with only several weeks of training, would you? You need someone who knows what he/she is doing and someone you’re comfortable with to be your car insurance agent. To find a local agent, use our online quote form to compare up to 5 quotes from local agents.

Here are a few things you should know when choosing the right car insurance agent.
What does a car insurance agent do?

By law, a car insurance agent is a professional licensed in the state(s) they operate to sell car insurance. A good car insurance agent, however, goes beyond the call of duty for the insured (you). He offers you advice and offers you creative ways to reduce or avoid coverage risks and reduce your premium. He must also be trustworthy, reliable, smart and should care about you as a client and your financial future.
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How do you go about picking the right car insurance agent?

Check with your state’s insurance department for recommendations. They also keep a collection of complaints or recommendations for agents; so if you’ve got your eye on an agent with a consumer complaint folder an inch thick, you will be able to see why other clients weren’t happy with them. Also, if you’ve already got a car insurance agent you are not happy with, you should feel free to ask for someone else. You can also ask friends for any recommendations they may have.
What should I look for in a car insurance agent?

Education and expertise. Car insurance agents come in all shapes and sizes. Some are novices, some will get the job done adequately and faithfully and some are experts with years of education and experience under their belt. If you want a more a more involved and complex policy, steer clear of the novices at all costs and seek an expert who knows the auto insurance area like the back of their hands. Typically, all car insurance agents get paid the same commission percentage, regardless of experience. So if you’re paying the same amount for a novice, and intermediate and an expert, why wouldn’t you choose the expert and get more for your money?

Check their license. There are quite a few “car insurance agents” out there now, selling car insurance without a license. Never forget to check with your state’s insurance department to see if the car insurance agent you’re beginning to trust really does have a license.

Regular policy reviews. Your car insurance agent should be available—and encourage—annual car insurance policy reviews. Over time, some coverages may become outdated and your policy may have some coverage gaps. Your car insurance agent should be coaching you and helping you to cover these gaps so that you don’t find yourself in an awkward predicament if you’re denied at claim time after a horrible car accident.

They’re there for you during the hard times. If you are the victim of car theft or have gotten in an accident the best of car insurance agents are the ones that are there for you. They should be offering you the best assistance they can and helping you at claim time. An exceptional car insurance agent takes your side in a claims dispute.

If you are ready to find affordable car insurance, fill out our free qutoe form and get customized auto insurance quotes from local car insurance agents in your area.