Shopping for car insurance is a crucial part of being a legal driver. However, the venture can be a bit confusing at times. Luckily, working with a good agent who evaluates your needs, guides you through the options, and helps you select a policy will make the process a bit simpler. But how do you know when you’ve found the right agent? Before settling on a company, schedule interviews with several agencies, and ask the following questions.

4 Questions to Ask When Choosing an Insurance Agent

1. How Long Have You Been in Business?

The insurance industry is extremely complex, so look for a company that’s been around for awhile. Not only will they have the experience needed to help you make sound decisions and avoid common mistakes, but they’ll also have an established reputation for serving their community.

2. How Do You Get Paid?

Agents who work for a single insurer usually make a commission based on the products they sell, giving them an incentive to suggest policies that may not be the best for you. Independent agents, on the other hand, don’t work for a particular carrier, so they’re more likely to give you an objective recommendation based on your particular situation.

3. What Happens if I Need to File a Claim?

A customer-oriented insurance agent will provide a full range of services even after the policy is sold. For example, if you’re in an accident, the best agencies will help you find a car insurance claim, explain your coverage, and even coordinate with the insurer on your behalf.

4. What Companies Do You Represent?

As a general rule, the more insurance providers a particular agent works with, the more options they have available. An independent agency with access to policies from a dozen different carriers will usually be able to offer more tailored coverage than someone who represents a single company.

For more than 30 years, the professionals at Lafever Insurance Agency have been helping Cookeville, TN, drivers get the coverage they need at the most affordable rates possible. They specialize in SR-22, young driver, and preferred risk car insurance, and they pride themselves on having options to fit every situation, regardless of your driving history. Visit their website now for more information, and call (931) 526-3377 to schedule an interview and request a quote today.