Insurance agents provide you with the expert link between your insurance needs and insurance services and coverage. But most insurance agencies have knowledgeable agents and provide you with the same
policies and coverage – so how do you know which agency is the right fit for you?
When working with an agency, it’s helpful to ask the following questions:
- How are claims handled? Is there a direct line to your agent to help you when you need it? You want to make sure you have reasonable access to your agent and their advice and services.
- What are the premiums and deductibles? You want to make sure that the premiums are cost-effective when compared to other factors. A lower deductible often means you are paying a higher premium – the amount you pay monthly or annually to guarantee coverage. The lower your premium, the more your deductible – the amount you have to pay out of pocket before your insurance will pay out your claim. Every insurance company sets up its own claim-paying process. If you need to file a claim, you obviously want to deal with an agency that makes the process as easy as possible, so look into the how claims are handled when deciding what agency to work with. Considering these factors will help you decide what makes sense for your situation.
- Are there complaints that have been filed against the company? Your state insurance commissioner or the Better Business Bureau should have a log of any consumer complaints or issues. You also want to consider the company’s record for claim refusal. Are there times when claims have been denied for something outside of someone’s control?
Asking these questions can help you get a better idea what your experience will be like with a particular agency. We’re proud to be an agency with service and knowledge that sets us apart. Contact us today to find out why we’re the best option to help you protect your business.
