A quality insurance provider should be concerned with more than just getting you adequate coverage on your car insurance or trying to up their commission. A good agent focuses on providing quality customer service and adding value that goes beyond expectations. With so many companies and providers available, you don’t have to stay with one that offers you anything less than the best. Here are some signs that it’s time to shop around for a new provider.
1. Unexplained rate hikes. If you have a spotty driving record or you’ve been found at fault in an accident, you’ll expect your insurance rates to be a little higher than average or to temporarily increase. However, if you find that your agency offers less than competitive rates or that your rates have gone up unexpectedly without reason, it’s time to look elsewhere for coverage.
2. Evasiveness. A professional agent will readily answer any questions or concerns that you have. They should also be able to explain the details of your insurance contract and provide accurate information. If your agent doesn’t have facts at hand, doesn’t know where to find vital information or avoids giving you direct, concise answers to your questions, you’re better off finding an agent who can.
3. Not answering or returning calls in a timely manner. If you’re constantly playing phone tag or your agent cuts your calls short, they’re not showing you the kind of respect and service you deserve. You need to know that if you’ve been involved in an accident or you have an emergency, your agent will be there to assist you when you need them.
4. Pushing you to buy services or coverage you don’t need. Your agent is your advocate. If they’re constantly trying to sell you unnecessary coverage or up-sell you on other products, chances are they’re more worried about their bottom line than they are about your best interests. A good agent will find you the maximum amount of insurance at a rate that fits your lifestyle and budget.
You don’t have to stick with a company out of habit or use a certain carrier because that’s the one your parents always used. Insurance agents in Austin can be found through such resources as auto club recommendations and even online rate comparisons. It’s important to find the best provider for your needs, so shop around until you feel comfortable with your agent and in what their company has to offer you.