How do you know that get the "value" of your insurance policy? Can you save money and get more coverage on your insurance policies?
The answer is yes ... but we must ask the right questions. Questions like "Do all companies offer the same or similar coverage?" The answer is no ... but how do you know?
For example, let's say your car is parked at work and storm lines your area and this one event damage to both your car and your house. is your company offers a waiver of deductible option? with this option, if you have a covered loss involving both your car and home, the company only uses the larger deductible (provided you have both policies insured with the company.) so in this case, if your policy deductible of home insurance is $ 1,000 and your car insurance policy "other than collision" franchise is $ 500, the company applies a maximum $ 1,000 deductible for this unique event, saving you another franchise $ 500!
Some companies do not offer this option, but, again, do you ask this type of coverage question? Probably not. Does your agent? Hopefully yes, but to find a qualified and experienced independent insurance agent can be a daunting task. Just like when you are looking for a good doctor, lawyer or other professional, would you not do research on your insurance agent to find the professional that meets your needs?
Here are some tips on what to a good agent:
- How long have they been in business? What is their experience? If you pick the players for a sports team do you want someone who knows the game?
- Do they know and help your community?
- What are their professional relationship? Look for organizations that belong to industry associations such as agents and brokers of America (IIABA) or the National Association of Professional Insurance Agents (PIA) Independent Insurance. Also look for an agent who is designated as a trusted agent Choice. Choice trust agents offer competitive prices, a wide range of products and unparalleled advocacy.
- What do they continue their education on current trends and insurance regulations? Look for agents who have an insurance advisor certified designation (CIC). There are a host of other highly qualified designations that an agent could include Chartered Property Casualty Underwriter (CPCU) and Chartered Life Underwriter (CLU).
I'm sure there are many other characteristics of a good independent insurance agent to discuss but ask these questions can give you the "right" start your search for a professional of qualified insurance to represent you. What do you look elsewhere in an insurance agent?
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