Auto insurance agents can be your friend or your foe, depending on your circumstances.
A good car insurance agent can really make a difference in the amount of money you save on your insurance premiums each year.
An insurance agent can either make your experience of choosing the right auto insurance policy seem like a breeze or a nightmare.
And let's not forget about filing claims! A quick and efficient settlement or a long, drawn-out battle? Your agent can make all the difference in the world.
To begin with, a good automobile insurance agent will be friendly and knowledgeable about the different types of coverage available.
They will know what the law requires as the bare minimum for your state, as well as what limits would be recommended based on your vehicle type and year.
The best insurance agents help their clients feel well-informed and confident about their insurance decisions.
They will be certain to help you get all the available discounts. They will also inform you if you are paying for overlapping types of coverage, and "steer you in the right direction."
These are the kind of traits I look for in my own car insurance agents.
If you were wondering who an agent is and what exactly an insurance agent did, here are the basics.
Agents represent insurance companies. An agent is a "go between" or "middle man." The insurance company gives the agent the authority to speak on their behalf.
As long as the automobile insurance agent is licensed to practice in your state and for a particular company, you can deal with them as confidently as if you were dealing with the company itself.
If you are uncomfortable with a particular agent, shop around. You have the right to expect a good working relationship with the person who is representing you to your insurance company.
Be sure to choose your auto insurance agent wisely. You'll be glad you did when it comes to the "crunch." (Sorry, I couldn't resist!). :)