I know what you’re thinking… Yes, there are different types of agents! You can work with a Captive Agent, also called a Direct Agent, or an Independent Agent.
The Captive Agent works for only one company whose policies they sell. For example, a State Farm Agent.
An Independent Insurance Agent represents a number of different carriers; so they have the ability to get multiple quotes. This will ensure you get the best price and coverage for your needs. Do your rates keep going up year after year? An independent Agent can help stop this cycle by, again, getting quotes from other carriers. And just in case, if you’re still wondering, all the Agents at Elite Insurance Services, Inc. are Independent.
DO get referrals.
Your friends, family and colleagues can help you determine what to expect from an agency. Ask them what they liked, didn’t like, the level of customer service they received, how the agent handled complications, were they dependable through the claim process, etc.
DON’T forget to do your research
Once you have some recommendations, don’t just pick a name out of a hat, it’s time to do some research!
- Check your state’s Department of Insurance for any complaints, investigations or disciplinary actions taken against the agents. You can also see if their license is active.
- Look at the Better Business Bureau and local Chamber of Commerce websites.
- Dig into their online reviews, social media sites and business website.
When shopping for an Insurance Agent, you shouldn’t be looking only at price. It’s important to take into consideration how well you could work with this person; a relationship that can endure through a few cars, new homes, fender benders, and even storm damage. The team at Elite Insurance Services, Inc. has the experience and skills to ensure you get the best coverage and limits with the most competitive premiums from a variety of the insurance companies we represent. Check out our website for all your personal insurance needs.