Like it or not, the insurance is something that cannot be ignored or avoided. There are many types of insurance that are required by law, while others are necessities and others are purely a luxury. Regardless of the type of policy insurance or what is actually designed to protect, you do not need to carry out business with only one insurance agent.
If you feel uncomfortable with the agent currently responsible for one of your policies, you can change agents keeping your insurance policy. On the other hand, if you think your needs would be met more effectively by another agent in another insurance company, you’re free to change carriers at any time.
Change agents within the company
- Find another agent representing the same company. Most insurance companies on all those that sell homeowners insurance and offer services for vehicles, have multiple locations in most cities. If you’re local insurance agent is not meeting your needs, but you feel comfortable with the coverage you have and the premium you pay for a change in the nearest office can solve your problem. Search the phone book or on the web page of your insurance company addresses other agents in your area.
- Visit to another potential agent. Before starting the formal changes, visit the office of another insurance agency and meet with the agent who will handle your account. Ask questions relevant to your experiences with your current agent and determines whether this new office location will satisfy you.
- Contact the insurance company. Once you’ve decided on a new agent, call the insurance company that issued the policy and inform them that you like to have your served by a new agent account. Give her department customer service your number of your insurance policy and contact information for your new agent. If necessary, explain the reasons for the search for a new agent.
Switching to an agent in another company
Find another insurance company. If you think your needs would be better served by changing insurance company completely, look in the yellow pages of your local phone book or search online to locate another agency in your area to be able to provide the kind of coverage you need. Notes addresses and phone numbers of agents within those companies that meet your criteria, then contact them to discuss your situation.
We suggest the identification of at least three candidates and interviewing each of them before making a final decision. Explain why you’re looking for a new insurance agent, why do you think that a new company will be beneficial and make the right questions to ensure that your problems or concerns above will not be repeated again in the new insurance company.
Meet the new agent. Schedule a convenient way to visit your new agent in his office hour. Take your current insurance contract or on the policy statement and so comparable quotes can be prepared by the new insurer.
Acquires a new policy. Once your new agent has provided contributions and have discussed the pros and cons of a new policy to complete the necessary documentation to obtain new coverage. When your new policy is in effect, contact your old insurance company and please give them instructions to cancel your old policy.
Tips & Warnings
- When searching for a new insurance agent, consider seeking the assistance of an independent insurance agent, rather than a captive agent. An independent agent can offer policies from several companies, while a captive agent can only sell insurance from a specific provider.
- If you decide to change your insurance company, do not cancel coverage or finish your old policy until you are sure that the new coverage is in place. This will ensure that no gaps appear in your protection and leave you without important coverage.