Who Are Auto Insurance Agents?
Who Are Auto Insurance Agents?
A salesperson is someone who sells you products. These persons have specialized training about the products or items they sell and can tell you anything you need to know about what they are selling. Auto insurance agents are those who sell insurance policies to help protect car owners from financial loss resulting from vehicle-related accidents or theft. The policies they sell covers car loss, vehicular defacement due to vandalism, damage and medical claims resulting from accidents. Some policies also include certain compensation plans for car rentals while your car is undergoing maintenance services.
Most insurance companies have licensed and registered auto insurance agents on their roster of employees. These company representatives, called exclusive or captive agents, are specifically trained to market the products of their company and no one else's. They know the terms and conditions of their company's products and can provide you with the most comprehensive information about each of these policies including your options and moves in times when your insurance coverage is needed. If you have been using this particular agent, then you might have already established a certain level of trust with him. But what if his company's products do not meet a particular need you have? Who may you turn to?
There are also the semi-independent auto insurance agents who are well informed on the various policies of several auto insurance companies. What these agents normally do is offer their clients the most suitable policy for to meet their needs. Although these agents are affiliated with several companies, they have a lead carrier that they represent. This usually means that they will offer you the products of the lead company that they represent first as they are most probably instructed to do so. When this happens, make sure you don't get sweet talked into taking it immediately. Make sure that he presents you with all possible options from the various other companies he represents before making your decision. Also, do a little bit of your own research to back up your decisions. Also, be alarmed when this agent downgrades other companies in favor of one. It would mean that he will be getting the most commissions from that company.
The passionately independent auto insurance agents do not have any pressure from any insurance company they carry at all. These agents do not prefer any one company but instead presents all companies in their portfolio and lets the clients decide for themselves which company to go for. This means that the client has all the freedom to choose after hearing the presentation on the different policies without feeling coerced or forced to take any particular one. Also, if after choosing one company from this agent, you can easily switch to another carrier through him if you don't feel satisfied with what you decided on.
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