What are factors to consider when choosing an independent insurance producer?

Whether you are looking for your first insurance producer or thinking about switching, it's a good idea to have several choices. When evaluating your options, you may want to consider these things:

Licensing:

Ask about the insurance producers experience and ask if the insurance producer has any insurance industry certifications. Make sure the insurance producer and insurance company are licensed in your state. You can check company licensing information through the NAIC's Consumer Information Source (CIS) or by going to the website of your state insurance department.

Certification

Knowledge & Experience:

Insurance is a complex industry, so you need an insurance producer who is knowledgeable enough to explain the differences in coverage, clarify unfamiliar terms found in policies, and walk you through the claims process. You need to feel comfortable that the insurance producer has your best interest at heat

Choice

Insurance companies offer different coverages, so in most cases it is best if you deal with an independent insurance agency who represents several insurance companies. Trust that an insurance producer is familiar with the insurance products and understands your insurance needs well enough to provide you enough information so you can make an informed decision is huge.

Complaints:

While you are checking whether the agent and the company are licensed, also check to see if they have had complaints filed against them. For the company, you can check the NAIC's CIS, call your state insurance department. In addition, for insurance producer complaints or disciplinary action you may visit the Department of Insurance website.

Financial Strength of the Company:

If there is a difficult claim situation, you do not want to hear your insurance company can’t pay your claim because of its poor financial results. When evaluating a company, you also want to check its company financial rating with Best Rating.

Whether you are looking to insure your vehicle, home or business, Ideal Insurance Agency can handle all of your insurance needs. Why choose a local Independent Agent such as Ideal Insurance Agency? They are committed to their customers and their community. They work for you!