How to Find a Savvy Car Insurance Agent

Trust is an important factor when choosing a car insurance agent.

Technology has completely changed the way most people shop for almost everything, including car insurance. While a few clicks of the mouse can easily show multiple car insurance quotes, this may not be the best way to purchase car insurance. Finding a savvy car insurance agent who can help guide you and customize an insurance quote specifically for your needs may be more beneficial.

Instructions

1. Ask friends and family. One of the best ways to find a savvy car insurance agent is to ask people you trust. They may already have established a relationship with a savvy car insurance agent and can refer you.

2. Turn to the many websites that can help you find local agents. You will need to input your ZIP code so you can be matched with agents in your area.

3. Interview each agent. Asking a few questions will help you determine who you feel is the savviest and best agent for your particular needs. Trust is a big factor when choosing car insurance agents. Questions you can ask include: what other discounts are available?; does this quote include comprehensive and collision coverage and is it worth it?; does this quote include uninsured or under-insured motorist coverage?; if the car is totaled, how much will my insurance pay to replace it?

   and if I need replace parts for my car, will my insurer pay for original manufacturer parts?

4. Check the state's insurance department after identifying one or two agents with whom you feel most comfortable. Ensure that each agent is up to date with all licensing and to see if any complaints have been filed about the agent.

Tips & Warnings

• Some insurance agents are known as "captive" agents. This means that they can only provide car insurance quotes from one carrier or insurance company. An "independent insurance agent" is can quote from dozen of car insurance companies. This type of an car insurance agent is more savvy, mainly because of the ability to compare dozens of quotes pricing and benefits and find the best fit for you.

• The agent offering the cheapest insurance is not necessarily the best. A savvy car insurance agent knows that adequate coverage is vital to properly forming an insurance policy. Under-pricing the competition by providing inadequate insurance is not a best practice of car insurance agents.

References

• Bankrate: How to shop for a car insurance agent
• Insure: 5 questions to ask your car insurance agent