When searching for a qualified insurance agent, it can be confusing to know which questions to ask. However, if you find the right agent for your situation, they can provide a wealth of information and assistance over your lifetime. Below are 3 questions to ask any insurance agent before selecting them. 

3 Questions to Ask Before Choosing an Insurance Agent

How Long Have You Been in Business?

This is a basic question, but an important one. Be sure to go with an insurance agent that has at least 5-10 years of experience in the industry. Check that their credentials and licenses are up to date. Additionally, it helps to check their online reviews, which will give you a good idea about how they are perceived within their community. 

Do You Work With Multiple Carriers?

This is an important question, as it reveals the number of options available to you.  Captive agents are those who represent one specific company, so their pricing and product availability is limited.  An independent agent, on the other hand, will provide you with quotes from multiple carriers. This is optimal, as you will be able to see an array of products and pricing that might be a better fit. 

How Much Will This Cost Me?

How an insurance agent gets paid will also clue you in to their motivations toward specific products. Captive agents normally receive a base salary from their company, as well as commissions when they sell a specific product. Independent agents who work for themselves, generally get paid only in commissions. If they sell you a product, that company offers them a piece of the pie. At the end of the day, your out of pocket is limited to the policy premium you pay and a deductible, should you experience a claim. 

Asking the right questions will help you have a clearer understanding of what your prospective insurance agent can offer you, as well as their overall intentions to sell you the best products for your needs. The qualified team at Comaltex Insurance Agency Inc has been providing the New Braunfels, Texas community with insurance products since 1948. Whether you need home insurance, auto insurance, or another product, they will offer options and assistance. Call them today at (830) 625-7511 or visit their website for more information.