San Diego Insurance News
Choosing the right personal insurance agent is just as crucial as choosing the perfect doctor or lawyer for your family or business. Unlike telephone representatives or captive agents, an Independent Insurance Agent represents a variety of insurance providers and has the freedom to shop around for the best coverage, pricing, and service.
Choosing an insurance agent may appear to be a simple undertaking. Isn’t it obvious that you should choose the one with the lowest price? That isn’t always the case, and it shouldn’t be at the top of your priority list while looking for the finest agent. Lower costs can equal less coverage, which is okay until you have a loss that isn’t covered.
Your Policy Is Only As Good As Your Agent
Insurance is a service, not a product. Yes, you purchase insurance; yet, not all insurance policies are made equal. We feel that selecting a skilled and experienced agent is the best method to purchase insurance. Allow the agent to have a better understanding of your needs before designing a policy that is right for you.
Know The Different Kinds Of Agents
Agents that represent a certain insurer (State Farm, Allstate) are known as captive agents. These agents are working for the insurance business and may not be looking out for your best interests.
Insurance brokers or insurance agents do not work for insurance companies. Instead, they are there to serve you, the customer.
You want an agent who represents many insurers and who is willing to take the time to get to know you. Then market your risk with many different insurers. You want a relationship, not a policy.
Tips To Consider When Selecting Your Agent
Yelp, Google, Linked In, Facebook, and other social media platforms can assist you in determining whether or not a business provides good service. These websites can be useful, but meeting with an agent or broker in person is one of the greatest methods to determine whether or not they will take good care of you.
Ask a family member or friend if they like their agent. People are more likely to refer others with whom they have had a good encounter. Inquire about their interactions with the agent or broker. Were they responsive, and could they clearly answer questions? Was the agent or broker helpful if the person needed to submit a claim?
Look At Their Website
Review the services and other important features of the agent’s website. Visiting the agency’s web page is a great way to give you an idea of their services, values, and qualifications.
Ask A Few Questions of The Agent
Inquire about the services provided by the agent. Here are a few suggestions:
- How would you assist me if I had a claim?
- Can you tell me how many years of experience you have? What about your team?
- Who would I speak with if I called the agency with a question?
- Is it okay if I ask for three references?
- What systems do you have in place to help you run your company?
- What is your definition of customer service?
- How do you handle phone calls that aren’t returned?
- How long do you keep a client on average?
- What qualifies you as an expert in your field?
- Do you have any awards from the industry?
- Will I have to request that my renewal be processed?
What Kinds of Insurance Do They Offer?
Your agent should offer a variety of personal insurance products, including:
- Home Insurance
- Auto Insurance
- Umbrella Insurance
- Mexico Insurance
- Identity Theft Insurance
- RV Insurance
- Motorcycle Insurance
- Travel Insurance
- Vintage Car Insurance
- Boat and Watercraft Insurance
Our independent San Diego insurance brokerage offers a full range of auto, home, and commercial insurance and a variety of other insurance coverages needed to protect your property—and your loved ones. One of the biggest advantages? McCormick Insurance Solutions in Bay Park has direct access to high-quality A.M. Best rated “A” or better carriers in all lines of insurance. We can get you free rate quotes on auto insurance or other coverages from Mercury Casualty Insurance, Travelers Insurance, Safeco Insurance, CNA Insurance, Kemper, CSE Insurance, Fidelity Insurance, ACE Bankers, and many others. We also offer a comprehensive list of Surety Bonds.
Call or get a quote online – 619-276-0492