4 Tips On Dealing With Insurance Agents

Dealing with insurance agents is something that we all have to go through at some point. There are two main times that you come into contact with your insurance agent; when you're getting insurance quotes, and when you have a claim. Dealing with them in the proper way will make sure that you get the best service and the best deal.

1. Be Honest

Regardless of whether you are dealing with car insurance agents, life insurance agents, or any other type, be honest with them. They are still people and being honest with them is the best policy. When you are shopping around, tell them exactly what you are looking for. They will appreciate the direct nature of your questions and will work hard to get you what you need. If they cannot provide what you are looking for, they will tell you. If you have a claim, tell them exactly what happened. They are much more likely to help you out if you just tell them exactly what happened. Even if you did something embarrassing, just let them know. They will help you as much as they can.

2. Do Your Homework

Before you deal with an insurance agent, do some research. If you are going in to talk to them about pricing a policy, do some research online first. Get an idea of what similar policies cost from other companies. Make sure that you are comparing apples to apples and then keep track of what you find. When you get to their office, do not be afraid to tell them what you found. The insurance industry is a very competitive business. They will do everything in their power to match or beat prices. If you want to work with the agent, let them know that. Just let them know that they need to get down to the price you require. If you have a claim, try and do some research ahead of time so that you will know how much you are owed. If you damage the bumper on your car, go into the first meeting with them knowing how much it will cost to have yours replaced. You should never go into any meeting unprepared. 

3. Claim Numbers

In the event that you have a claim, make sure to take note of the claim number. Insurance companies use claim numbers all the time. This is how they track everything and you will get the information you need faster if you have a claim number. If you have a claim, get a folder and keep all of the information from the claim together. Any medical bills, repair bills, high utility bills, or anything else should go in the folder until the claim is settled. Keeping the information you need is important so you can make sure you were treated fairly.

4. Do Not Rely On Them

Most insurance agents are great at what they do, but you do not want to rely solely on them when there are other resources available. Many insurance companies now have a help center in case you have a claim. Even though you like dealing with your agent, if you have a claim, just go straight to the source. Your agent will only be a middle man and does not have to be involved unless you want them to be. 

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