Your loved ones, house, and car are likely some of the most critical priorities in your life.  Having the right type of insurance in place to safeguard them from the unexpected is worth the investment. This is where an insurance agent can offer customized guidance that addresses your specific lifestyle and needs. While there are many specialists to choose from, the leading ones will have your best interests at heart. Here are several questions to ask before hiring an agent.

4 Questions Insurance Agents Should Answer

1. How much experience do you have?

An insurance agent with years of experience can identify factors in the marketplace that can help you with your coverage options. For instance, they will discuss how geographic location and vehicle type can influence rates. If you’re interested in life insurance, an experienced agent is likely to present several policy choices tailored towards whether you have children or are nearing retirement. 

2. How can I keep my premiums affordable?

The best insurance agents will gladly share which discounts can help reduce your premium payments. They will encourage you to enroll in approved driver safety education courses or bundle policies with one carrier for extra savings. The best agents understand the importance of establishing loyal and long-term relationships. As a result, they will continue to keep you informed of new discounts.

3. If needed, will you help me with the claim submission process?

Nothing’s worse than feeling like you’re on an island when submitting an insurance claim. Ask potential agents how accessible they will be if you need assistance with the process. Can you pick up the phone or send an email with questions and how quickly will they follow up? You should also expect updates along the way so that you’re not left in the dark with your claim. 

4. Can I speak to a few current clients?

Reputation is everything in the insurance industry. The best agents strive always to provide impeccable customer service. Don’t be afraid to ask for the contact information of a few existing clients. You want to know what their experiences have been and why they chose to stick with a particular agent. You can also go online and check any Facebook or Yelp ratings, as the agent likely would not provide references with negative feedback.

Since 1986, Grachek Insurance in Kalispell, MT has provided a personalized approach when helping clients with their unique coverage needs. Serving Flathead Valley and surrounding areas, the family-owned agency takes pride in offering affordable insurance options and superior customer service. Because the firm is independent, they work with a host of carriers to bring you the best rates. For a no-obligation quote, call (406) 755-4000 or request one online.