Some people put up with insurance agents who are never there when they need them, always seem to give vague answers, and try to push insurance that they don't need. I know that agents must sell in order to make a living, but there is a point where they can go too far. When you are talking about the future and safety of your family, you do want the very best though, but how do you know you are getting that? There are some things you should always ask, and there are some things you should never put up with for any reason.
You want insurance agents who are there when you need them. You probably won't need them unless something goes wrong, but what could be more important than that? When you have car insurance, you want to have a person's name, not the name of a company. You want to know there are one or two insurance agents that you can call at any hour or any day if you have an accident. Imagine being stranded because you are getting an answering machine when you call a 800 number, and not knowing if anyone can help you anyway. Get a name and a number, or get a new policy.
You want to find insurance agents that seem insincere about what they do. If you get an icky feeling, it's time to find someone else. We've all met the type. They seem to be more interested in how many different types of policies they can sell you, but don't seem to hear when you say you don't need something, or that you already have that coverage through an employer. These insurance agents are all about their commission, but aren't really big on service. You may find that they are vague about what the policy covers and what it will not. Be aware of what you are getting, and if you don't get your questions answered it is time to find someone else.
Don't despair though, there are many great insurance agents out there. You can usually tell if someone is going to be there when you need them within the first five minutes of talking with them. It's the same thing you do when you meet new friends. You already know what they are like. Don't be afraid to go with your gut feelings. If someone seems to be fake or leading you on, you don't want to be friends with them, and you can apply the same thing to finding good insurance agents. They are out there, but you do have to find them. You will be glad you took the time to do so.
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