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| *Ostroff, Fair and Company>>>Insurance |
Can I have an agent so that I will be asking his help when needed? |
Can I have an agent so that I will be asking his help when needed? Try http://www.findlocalinsurance.com... This will help you find a local agent by zip code. I always say you wouldn't perform your own surgery, you'd go to a professional. Same holds true for insurance. Make sure you find someone that will review your coverages. Yes, when you buy insurance, the person who SELLS it to you, is your agent. If you go to Geico, for example to "save money" by cutting out the agent, you don't get an agent. Yes, and when you buy insurance from an agent, your premium includes about 15% that goes to the agent. So get your money's worth from your 15%. I would advice you to always use an Agent, here are some helpful tips regarding agents and how they work. 1. Find a local agent, I would use someone who I knew where they live "for weekend access", go visit them make sure you get along with them first, since you will probably use them for years. 2. E-agencies: These are normally the websites that always on the top, these co's spend typically 1million a year on exposure over the internet, search engines ET, they do not spend any money on hiring experienced agents, typically they hire anyone off the street, most employees that answer the phone have little or no experience. Most are Boiler room type of places, where you will never speak to the same person twice- in the past few years many of these type of agencies are located in cheaper cities in the USA, and some are moving out of the country. Make sure they are local in your city and visit them, if they do not allow anyone at their location please do not buy from them. Also make sure the hours of operation include afterhours and weekends. Yes, you have to have an agent. You have to educate yourself too and ask him smart questions. To buy insurance is to buy a promise so you could have a good promise, from a good promissor(insurance company) for less money. Your needs will change during the years so you and your agent will have a longterm relationship too. Look around for someone you can trust. Dont go to big company with agencies everywhere it just wont work. go to a broker that cells for different companies at one place they will help you more because they care about you (their profit). Or state farm has great agents they are the best to consult with for the same reason as i mentioned before Having an agent is great. Yes, he is paid on commission, but the price you pay for the policy does not change. He is an invaluable resource. He can help you shop for best rates, good policies. They know a lot about the industry and how it works. I would highly recommend one. However, you should attempt to get one who is interested in your needs, not just making a sale. In response to Heather, do not go to a broker. An agent is more likely to help you and does not have to sell as much to make money. (Back to the "interested in your needs" part) Plus, most agents have appointments with many insurance companies like brokers do and can help you shop around for pricing and quality. |
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