Are You Asking The Right Insurance Questions?
Posted on
The answer is yesbut you have to ask the right questions. Questions like Do all companies offer the same or similar coverages? The answer is nobut how do you know?
For example, lets say your car is parked at work and a storm blankets your area and this single event damages both your car and your home. Does your company offer a deductible waiver option? With this option, if you have a covered loss involving both your auto and home, the company only applies the larger deductible (provided you have both policies insured with the company). So in this case, if your homeowner policy deductible is $1,000 and your auto policy other than collision deductible is $500, the company will apply a maximum $1,000 deductible for this single event, saving you the other $500 deductible!
Some companies do not offer this option, but, again, would you know to ask this type of coverage question? Probably not. Would your agent? Hopefully yes, but finding a qualified and knowledgeable independent insurance agent can be a daunting task. Just as when you look for a good doctor, attorney, or other professional, wouldnt you do research on your insurance agent to find the professional who fits your needs?
Here are a few tips on what to look for in a good agent:
- How long have they been in business? What is their experience? If you were picking players for a sports team wouldnt you want someone who knows the game?
- Do they know and contribute to your community?
- What are their professional relationships? Look for agencies that belong to industry associations such as the Independent Insurance Agents and Brokers of America (IIABA) or the National Association of Professional Insurance Agents (PIA). Also look for an agent that is designated as a Trusted Choice® agent. Trusted Choice® agents offer competitive pricing, a broad choice of products, and unparalleled advocacy.
- What do they do to continue their education on current trends and insurance regulations? Look for agents who have a Certified Insurance Counselor (CIC) designation. There are a host of other highly qualified designations that an agent could have including Chartered Property Casualty Underwriter (CPCU) or Chartered Life Underwriter (CLU).
Im sure there are many other features of a good independent insurance agent to consider but asking these questions can give you the right start on your search for a qualified insurance professional to represent you. What do else do you look for in an insurance agent?
Are You Asking The Right Insurance Questions? How do you know youre getting value from your insurance policy?
Insurance Sales - Are You Asking the Right Questions?
The right questions probably aren't the questions your using now. Do you and your prospects feel uncomfortable with the questions you're asking?
Are You Asking the Right Questions? - The Rapid eLearning Blog
Here is the original post: Are You Asking the Right Questions? » The Rapid eLearning Blog [] When thinking about asking the right question,
Are You Asking The Right Question? | Online Trading Academy
Are You Asking The Right Question? Sam Seiden. Online Trading The point of this piece is to make sure you are focused on the right information when building your
Are You Asking the Right Questions? - About.com Home Business
Are You Asking the Right Questions? Make sure you ask all the right questions before investing in a home business program. Insurance & Legal;
Are You Asking The Right Questions About Your Life?
Are You Asking The Right Questions About Your Life? 107 Email. Comments. or frustrated and check in to hear what questions you are asking yourself. Are they
TanveerNaseer.com » Leaders, Are You Asking the Right ...
Leaders, Are You Asking the Right Questions? In my piece
Car Insurance Therapist: Are You Asking the Wrong Car ...
Thank you! You are signed up to receive the latest deals, offers and tips!
Terrorism, Insurance & TRIA: Are we asking the right ...
Insurance & TRIA: Are we asking the right questions? Are you tain subjects, like a (government insurance If the right question is whether
Are You Asking Your Mortgage Broker the Right Questions?
Are You Asking Your Mortgage Broker the Right If your gut says something isnt right, it probably isnt. Questions to ask your title insurance,
