- Posted May 9, 2014 by
San Diego, California
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Jim Porter San Diego Insurance Specialist | Price Verses Service
Everyone wants to save money; every Insurance agent wants to be the one who saves people money. Every now and then, however, the agent will sit down with a client when the premium they are proposing is higher than the client is paying already. Many times the difference in cost is going to be for a good reason. Rather than dismissing the proposal, have the agent or broker explain in detail the differences between the two policies.
The cost of the policy is important but not as important as what happens when you need the protection the policy provides. The agent and the service you get from that agent are far more important. A person’s relationship with their insurance agent is also frequently a very new one, so it should be treated as such, almost like a date at first. Ask questions. Listen for answers and address any concerns which come up. Both parties should be happy with what the other has to say.
First and foremost, look for someone who takes the time to sit down with you and figure out the best set of features and coverage’s for you. A college student driving his parent’s car has different needs than a doctor who owns his own practice, a house, a couple cars, etc.
Your agent should also have clear, decisive confidence in the company or companies they represent. If they don’t have confidence in their own company, why should you?
It is also a really good sign if your agent addresses a concern you weren’t aware of or didn’t think of at first. Jim says “There is a lot of what I like to call nooks and crannies in insurance, small features which often make a big difference.”
It takes years for an agent to develop an eye for indicators of those hidden needs while speaking with the client to determine a policy which covers every need.