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How To Find the Best Insurance Agents

Donn Sharer - Sunday, October 09, 2011

Protection. It’s what helps make your life stable. And if you’re not protecting yourself based on the advice of professional insurance agents, you’re taking a risk. Think about it. You trust your health to your family doctor. You rely on your real estate broker to find you the best home. You believe your car salesperson is putting you behind the wheel of a safe automobile. So, given all that you have to protect, your home, your auto, your life, your family, shouldn’t you have a knowledgeable insurance professional to advise you?

 

The best insurance agents will get to know you and your situation.  They will make coverage recommendations based on their knowledge. Sure, we’re all tempted to go for the cheapest coverage available. You know… those sweet-talking, 1-800-do-it-yourselfers with low-cost promises. This is your future and the future of your family at stake. You deserve the quality advice provided by a professional. And the best insurance coverage for your money.

 

The Personal Touch and Service Advantage
Unlike large impersonal call centers where you rarely speak to the same person twice, you have a personal relationship with professional insurance advisors at independent agencies.  They will know you by name, learn your history and tailor a policy that best meets your needs and the needs of your family.  When your situation changes or when you have questions, you have someone to call who can advise you.  It’s a personal touch that isn’t offered by those bigger companies.  By working with an agent to coordinate all your policies, you can be sure you are adequately covered and not paying for any unnecessary coverage. You can expect personal attention and customized services like annual coverage reviews that will address your ever-changing needs and keep your policies up to date. After all, life can change at the drop of a hat.

Save Time & Money
Professional insurance agents will advise you and eliminate the guesswork on coverage choices and claims questions. When it comes to settling a claim or changing your coverage options, you’ll find that having someone there to advise you is better - saving you time, money and headaches in the long run.  And unlike other insurance companies that tout saving you money in 15 minutes, your agent will actually take the time to consider your needs and lifestyle before making any recommendations.  The fact is that 15 minutes is often only enough time to reduce your coverage and increase your risk.

Knowledge
Sometimes the claims process can be frustrating, but having someone experienced and knowledgeable by your side can give you peace of mind. If you’re wondering how to get an agent, first you want to choose one who is a knowledgeable professional. As you know, there are infinite combinations of insurance options available to you.  Insurance agents are state-licensed and must adhere to state-regulated continuing education requirements. They can help narrow down exactly what you need and what amount of coverage is best for your situation. Whatever trauma led you to the claims stage was no doubt stressful enough. Your agent will know how to avoid the “red tape,” making headway through it quickly and efficiently.

Reputation
Reputation and stability are important in insurance. Insurance agents backed by a reputable, well-established insurance company will give you the assurance of reliability and excellent service. They’re more likely to be there when you need them.  After all, the more resources and support insurance advisors can draw from, the better they will be able to work for you. And word of mouth goes a long way when you’re figuring out how to find an agent. Ask around or research company and agent reviews online to get a good idea of whom you’re dealing with.

Are You Prepared for a Car Accident?

Donn Sharer - Tuesday, October 04, 2011

You’re out for a Sunday drive. Windows down. Breathing in the crisp fall air. Soaking up the sun’s rays. You arrive at a four-way stop. As always, you come to a complete stop, look left, right and left again. You ease off the break and start rolling forward.  CRASH!  A massive SUV clips the rear of your sedan sending you off the road in a tailspin. You finally stop, take a deep breath and think to yourself, “My first car accident! I don’t know what to do in a car accident.  What now?!”

Before you get behind the wheel, you need to be prepared for the unexpected.  Motor vehicle accidents happen every moment of every day. Are you up on car accident law and car accident insurance claims? Do you know what to do if someone is injured? If you’ve never been in one, you probably don’t know what to do after a car accident.   Here are the top five Dos and Don’ts.

What to Do After an Auto Accident (and What Not to Do Too!)

1

Do

Don’t

Survey the situation, and call 911 if anyone is injured.

Don’t panic.

2

Do

Don’t

Contact the police and have them fill out a report.  

Don’t share personal info or insurance info with anyone but the police officer.

3

Do

Don’t

Get witnesses and leave the cars where they are.

Don’t leave the scene of the accident.

4

Do

Don’t

Limit discussion of the accident to only police officers or your insurance agent.

Don’t discuss fault or liability at the scene.

5

Do

Don’t

Report both major and minor motor vehicle accidents to your insurance agent.   

Don’t forget to review insurance coverage, next steps and auto accidents claims.

 

What Can You Do Before an Auto Accident? Prepare!

Now that you know what to do, car accident preparation should be your next step. Keep up-to-date insurance papers, a pen, paper in your car at all times.  For the ultimate in preparation, get your hands on a nifty auto accident report folder.   Contact our agency for your Auto Accident Report Folder. You can never be too prepared.


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