subject: Choose An Experienced Insurance Agent [print this page] Choose An Experienced Insurance Agent
Whether you are purchasing insurance in Maryland or Massachusetts, one overriding factor should guide your buying decisions. You must deal with an experienced agent that you can trust. Purchasing your insurance policies from a reputable broker that you know has been selling insurance for more than just a few months will leave you with a sense of confidence that they know what they are doing. If you opt to purchase from a brand new agent just began selling policies, you might end up wondering about just how well they really know what they are talking about with you. By dealing with a professional who has been in the business for an extended period of time will probably give you at least some peace of mind that they know all about the different policies that are available to their clients.
Insurance in Maryland, Maine, or Minnesota all involve one simple concept for agents. They need to know which companies are the best ones for their customers to deal with. If a particular company has a rate of disallowed claims, a knowledgeable agent needs to be aware of that fact. If an insurance company has a history of setting up shop under one name and then ceasing operation in a short period of time, a well versed broker will be aware of that sort of history. If the adjusters for a particular business are known for questionable practices, that is the sort of red flag that an experienced agent will note. A brand new agent that has just recently begun selling insurance may not be aware of all the finer details of the business and thus will not be able to advise their customers accordingly. A textbook or school cannot teach those invaluable lessons to a prospective agent. That sort of knowledge only comes with experience.
The basics are the same whether you are buying insurance in Maryland or Michigan. Purchase your policies from an agent that has a little bit of experience under their belt. While the agent that just received his or her license might be incredibly eager, that eagerness could end up costing you in the end. Rather than advising you to jump in with both feet to a policy that may or may not be in your best interests, a seasoned veteran in the insurance field will know instinctually what policies and companies are in your best interests. They will be able to advise you which companies take longer to approve claims. They will know which firms have a policy of profiling their customers in an effort to deny claims. It is only the agents that have been around the block a time or two that will be able to steer you in the right direction.
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