What exactly is it that an insurance agent does, more importantly who pays them? For a lot of people the agent is the first contact that they will have with an insurance company. But why use an agent when the Internet has made it all so simple you just go online pick a few companies and get your quote. So is it still worth your while to deal with an agent?
In today’s world the Internet has changed a lot of how people shop whether it’s for insurance or anything else. But to be sure of getting the right policy using an agent is still the best way to go. Insurance agents help all kinds of people get the best coverage to protect their health, their property and their families.
So why should you deal with an agent? For many reasons, they can provide quite a few different services selling a complete range of policies. In this way you can get not only your home insured but they can put together a policy that provides cover your car as well. Many agents will include services that will help you plan for your retirement or maybe you need to work out a budget for your child’s education.
The best part of working with an agent is that, because they are professionals they know all there is to know about the insurance industry. They know what all the different plans cover and can best advise you on which one will be the best for you and your family. They assist you when filling out the forms making sure all the information is correct ensuring you qualify for the best rates possible.
Most insurance agents will have a very professional relationship with the insurance underwriters. These are the ones that have to approve your application and then set the rates. This means that if there should be any kind of problems they are in a position to be able to shop around for you and make sure that you will qualify before your application is presented.
The thing you’ll love the most when working with an agent is the price, it costs absolutely nothing to get a quote from an insurance agent. The reason for this is simple they get paid by the insurance carriers they represent and not you. There are no nasty hourly bills to be concerned about when seeking their advice. How many places do you know where you can go and get expert advice especially when it’s something as complicated as home insurance that is completely free? Working with an agent doesn’t just making practical sense it makes a lot of financial sense as well.
So where do you find these wonderful people? This is where the Internet is useful there are so many to choose from so you’re sure to find one that is local to you.
Another good way to find an insurance agent is to ask the realtor you are buying your home from. They normally have good recommendations they can make.
Larry Hines is the owner of Sun Pacific Insurance Brokers, Inc. and Members Pacific Insurance Brokers. He has helped thousands of California clients find the lowest rates available and the best insurance plans to protect their families, homes and cars for decades.
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