| One of the most important insurance questions | | | | whether or not he knows the industry well. |
| you need to answer is which agent is right for | | | | Next, choose an agent that will act as your active |
| you. You can shop for insurance on your own, but | | | | advisor. You may want to put this agreement in |
| having a knowledgeable agent help will make the | | | | writing for your files. You need to be able to go |
| process so much more smooth. And, once you | | | | to your agent with all of your insurance questions, |
| have your insurance, you can take all of your | | | | no matter how small they may seem to you. |
| insurance questions to your agent, rather than | | | | You also want a knowledgeable agent. Ask a lot |
| negotiating all of the red tape that is common in | | | | of questions before you sign up for the policy. |
| the insurance industry. | | | | Ask detailed questions about the policy, such as |
| First, you need to decide whether you want an | | | | how a particular type of claim will work. Before |
| independent agent or an agent that works directly | | | | you ask, make sure you know the answer |
| for the insurance company. Independent agents | | | | yourself. Then you will know whether or not the |
| are not employed by any particular insurance | | | | agent is knowledgeable about the policy. |
| company, and as such they can provide you with | | | | You will be working with your insurance agent on |
| a broader range of products. They can show you | | | | a frequent basis. Choose one that you feel |
| policies from a variety of companies, rather than | | | | comfortable talking with. Personality is important |
| just one. A direct-writing agent works for one | | | | when it comes to choosing an insurance agent. |
| insurance company, and therefore can only show | | | | Finally, choose an agent that will give you |
| you products offered by that one company. | | | | everything in writing. As much as you might like |
| Chances are you will want to use an independent | | | | to take the agent's word for a particular policy |
| insurance agent. You need to choose several in | | | | guideline, your insurance company is only required |
| order to find the right one to fit your needs. You | | | | to act upon that which is written in the policy. |
| will want to ask your agent for information about | | | | Never accept a policy on hearsay. Make sure you |
| the professional associations he belongs to and | | | | have the important points in writing, even if you |
| the designations that he has. This will show you | | | | completely trust the insurance agent. |