While the majority of driving adults in the United States are required to carry some type of auto insurance, there are still many misunderstandings that occur between car insurance agents and their customers. To minimize these misunderstandings, listed below are three things your insurance agent wish you knew and how they can benefit you.
#1. Insurance Companies Have an Abundance of Discount Options
While your insurance agent may inform you of discounts they know you qualify for, they aren't mind readers and cannot possibly know every single discount which can be applied toward your insurance policy.
When working with an insurance company, it's important to look thoroughly through the list of discount options they offer their insured. Your insurance company may offer a number of discounts you'd never even heard of, such as discounts for car safety features and employer-related discounts, so it's a good idea to go through the offered discounts list with a fine-toothed comb. If you do happen to find a discount that sounds as if it may apply to you, contact your agent immediately and they can take it from there.
#2. Insurance Agents Will Work Through Your Policy With You
Understanding your policy is the only way you can get the most out of it. This is why your insurance agent will gladly walk you through your policy so you can understand it front to back.
Your insurance company doesn't expect you to understand insurance inside and out, but they do expect their insurance agents to. Across the United States, insurance agents are required to be licensed in order to practice, and many of these licensing requirements include staying up-to-date on new happenings in the world of insurance. When you ask your insurance agent to help you understand your policy better, you aren't wasting their time – in fact, it's one of the largest and most important parts of their job, and they'll be happy to assist you in any way they can.
#3. Insurance Agents Cannot Give You a Basic Quote
Determining the best coverage policy for your situation, as well as the base price of such a policy, takes a lot of work and requires a lot more than basic information.
If you're considering working with an insurance company, they'll happily help you to determine which policy would be best, but this process will take time and communication. The insurance policies and rates offered are determined based on a number of factors, some more complex than others. These factors include vehicle type, driving record, current insurance coverage, number of drivers, and even age, sex, and marital status. To get the most accurate estimate possible, the more information you provide the agent with the better.
For more information, contact Insure With U.S. or a similar company.
Share2 September 2015
