Things To Look For In A Car Insurance Agent

car-insurance-agentAn insurance agent can be of invaluable assistance in guiding you though the maze of choosing the best insurance policy as well as the best insurance company for your needs. The first thing you should know about an insurance agent is whether he is an independent agent or one who works for a specific insurance company. Although most insurance companies are offering policies for direct purchase these days, there are still many with dedicated local agents in their employ. Unless you have a personal relationship with a specific agent or company, you may want to look at an independent agent whose knowledge of a variety of companies and their policies can provide you with a certain amount of flexibility in your choice.

An independent agent will know how the service a company offers varies and what the best options are for you in Washington versus your cousin in Nevada. He or she offers personalized service that a directly purchased policy might not. Still, you should ask your agent a few questions. Know how the agent is compensated and agree on any fee in writing before purchasing a policy. Ask your agent who they do business with and which carriers they work with most often. Finally, make sure that you feel comfortable with your agent, as you will need to discuss very specific financial information with them. You will need to be able to turn to them with all of your questions and concerns regarding the policy.

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