Four Essential Things To Consider When Choosing The Right Insurance Agent To Work With

By: Gustavo Mcgee

Risk is a fact of everyday life. When you step out of your house and get into your car to drive, you run the risk of meeting an unfortunate event or occurrence. Most of these events cannot be predicted and even the most prudent individual may suffer loss due to the negligence of someone else.

Insurance is the tool that helps you mitigate that risk. Sometimes, it is mandatory to get insurance. For example, most states require that your motor vehicle must insured to be driven. Some apartments require the tenants to obtain homeowners insurance to protect against the risk of fire and theft. Other times, obtaining insurance is purely a personal decision. Whatever the reason, the first step in getting insured is finding the right agent. There are several things you must verify when sourcing for an agent.

Licensing is current

You want to make sure that the insurance agent you retain not only has the proper credentials, but their licensing is current. There are several online insurance agent databases that you can use to check your agent. Most states have developed websites that contain information on all licensed insurance agencies that practice within their jurisdiction.

Check their reviews

There are several websites dedicated to business and consumer reviews for companies in the United States and even Canada. Check the consumer rating of the company that the insurance agent is working for. There are also many online forums where clients post their comments and complaints not only for the insurance company but the insurance agent. Find out how many complaints have been filed against the insurance agent and the nature of the same. Perform due diligence and check them out before deciding on your agent.


When it comes to any service industry, word of mouth and referrals do matter more than any advertising or promotional exercise. The same is true for Insurance. Find out what people think about the said company and agent. Look for friends and family members who have had interactions with the agent and how they rate them in terms of efficiency and helpfulness. You also want an agent who will return your phone calls, who is courteous and professional. The final decision lies with you but chances are if many people have good things to say about a specific agent, your experience with him or her will also be positive. Use the internet to check out the ratings of the said insurance agent.

Go with your gut wisely

Even more important than the opinions of your loved ones and acquaintances is how your interaction with the agent feels. Call them up and request some information. Gauge how helpful he or she is, their willingness or unwillingness to answer your questions and their patience. They should focus on answering your questions and helping you choose the right package for your needs instead of making a sale. Once you have decided on your agent, exercise caution when releasing your social security number and contact information.

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Some agents might be more specialized in certain areas, for example such as Knoxville life insurance. Make sure you seek out the specialized agents to help you with your specific needs. Go to

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