Selecting an Agent

How to select an insurance agent

  1. Ask to see the agent’s insurance license.
  2. Ask how many companies the agent represents – Are they an Independent Agent ? — If an agent represents a number of insurance companies, they have the ability to look for the best policy to fit your unique needs and to find the best value for your money.
  3. How long has the agency been in business? How long has the agent been associated with the agency?
  4. Does the agency specialize in insuring a particular type of business or a line of insurance?
  5. Did you learn about this agent from someone you trust and respect?
  6. Is the agency a full-service agency that can handle all your needs including, home and auto insurance; life, health and disability coverages; and other types of insurance (for your boat, for example).
  7. Who will handle your account on a daily basis? Is their a team or backup person to handle your account. Ask to meet the other person(s). Ask about background, length of service with the agency, etc.
  8. What are the agency’s hours of operation? Can it be reached after hours and how? Do they have after-hours voicemail and/or email systems? How are claims handled after hours?
  9. Ask how the agent perceives their role in handling claims, how she track claims, and what role they take in helping to resolve claims disputes between the customer and insurance company.
  10. Ask about involvement in the local community. What organizations do they belong to; do they serve on any local boards, participate in volunteer activities, etc. An agent’s active involvement in his community often translates into a greater commitment to his customers.
  11. Is the agent a member of local, state or national insurance trade organizations? Membership connotes professionalism and a commitment to continuing education in the field of insurance. IIAA is the largest and oldest agent association in the country, representing more than 300,000 owners and employees.

Watch this video to learn the Value of an Independent Agent.

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Our locations:

Harbor Insurance
1622 S. Gaffey #104
San Pedro, CA 90731

310-832-5311

C & S Insurance
3220 Sepulveda Blvd #202
Torrance, CA 90505

310-517-8255