In light of my friend’s recent purchase of a new Prius, we decided to celebrate her successful purchase over dinner. She and I, along with some of our other close friends, eventually ventured into the topic of auto insurance. I thought we pretty much covered everything there is to know about it. Majority of us drove our own cars and are experienced in dealing with such matters, particularly about ways on getting auto insurance quotes. But the celebrant raised a question that none of us thought of pondering on. She asked us, “How do I know that I’m choosing the right agent or broker?” As expected, none of us were able to give her a satisfactory answer, for majority of our ideas were only notions and not based on research evidence. We were thus given the challenge of helping her out by researching on what makes a good auto insurance broker or agent.
A broker and an agent have entirely different functions. An agent is licensed to sell insurance and give advice regarding it. However, it is the broker’s responsibility to review and sign off a final policy. Brokers hold a higher license and may represent more than one company. They usually have agents working under them. In choosing the right agent or broker, a potential buyer should consider the following: First is Reliability. This can be verified online by checking the consumer complaint ratio of a prospective insurance agent in a state’s department of insurance. It is also a good idea to ask for check the company’s J.D. Power Ratings, and ask for recommendations from local body shops. Second, a good agent or broker will offer Great Coverage and is transparent in his dealings. Ideally, after considering a variety of factors, they will provide you the cost of your auto insurance and give you a quote. The best agents or brokers offer the best coverage at the best price. Third is Qualification. The best auto insurance agent secures you the best quote possible, and has evidence of his experiences in successfully working with people under known major companies like AAA, or as an independent one who possesses a portfolio of several insurance companies. Consider his credibility, honesty and sincerity in interacting with you.
Mulling over these characteristics should help you choose an auto insurance agent who can give you the best quote that’s worth every penny. I commend my friend for having thought of asking such a pertinent question. The quality of a product is determined by the quality of its merchant.
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