Insurance Buying Tips

In today’s world, you can buy insurance through a professional middle man/woman (agent or broker), or by calling a toll-free number or going online.  Is there a difference in the service or coverage you get with the different choices.  Insurance is one area that can be very dangerous to do with out the advice of a good agent or broker working for your best interests.

There are different kinds of agents. Some are “captive” which means they can only offer you one insurance company’s products. Other companies use “independent” agents and brokers to sell their products. Independent agents or also called brokers can offer you a wider range of options.

If you’re buying life, long term care or disability insurance, or if you’re insuring a home, business, or anything that’s unique – you’re generally better off finding a good agent or broker to advise you and help you find the right coverage. For more information on properly insuring a home, visit the Buying Tips library.

Ask co-workers. Ask friends. Asking a perfect stranger is better than relying on ads or the yellow pages. People tend to refer people with whom they have had a positive experience. Ask what their experience was in dealing with the agent or broker. Was s/he responsive; was s/he able to answer questions clearly? If the person had to file a claim, was the agent or broker helpful?

Facebook and other social media tools can help you gauge good service and quality businesses. These sites can be helpful, but a face-to-face with an agent or broker is one of the best ways of figuring out if they will take good care of you.

A good agent or broker will be familiar with the products they’re selling and explain ways you can tailor your coverage to your specific needs, maximize protection and minimize cost. For example, a good agent will suggest ways you can adjust your coverage to take advantage of discounts (or credits) that insurers give for packaged policies.

If you have a unique situation or your property or business is considered high risk – you’ll want to find an agent or broker who has the expertise and connections to help you.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com