When shopping for insurance most people buy with price in mind.  Price is important, but its certainly not the only reason to base your decision making.

How important is the insurance company you choose?  Choose your insurance company wisely.  You want a top rated company that has good customer service and an excellent claims reputation. 

When shopping for insurance, who will find you the right company and the right price?  The answer to that is an insurance agent.  Now, you could get lucky and stumble upon the right agent, but the best way is to ask friends you respect.  I believe it is very important to have a knowledgeable agent, an agent that knows you and represents several companies that are highly rated.  One of my customers said, “I want an insurance company with good customer service”.  I told my client, no matter who I put you with you will have good customer service. Why do I know this, because I’m the customer service. My insurance clients call me for any questions or policy changes.  You can’t expect to be an expert in insurance if you are not in the insurance industry.  Now, just like any other profession, we have agents that aren’t up to par.  Thats why you need to first find the right agent for you and establish a relationship.  Keep in mind, a good agent will want to be your agent for life.  Agents who are brokers represent several insurance companies.  Most brokers prefer to represent several companies to give his clients choices.  An agent who represents only 1 company is limited to what he or she can provide for you.  

So, what am I saying?  

1)  Seek out an insurance agent that you like and trust who represents several insurance companies.

2)  Decide with the agent which company is best for your insurance policy or policies. 

3)  Form a permanent relationship and confirm if the agent will be accessible for questions and policy changes.  Let the agent know if it is important to you to talk to him directly or if its okay to talk a customer service person.

I personally like talking to the same person each time.  Why, because they know who I am and they know my policy information.  It is always best when you call and a friendly, familiar voice is on the other end.  

As always, if you have any questions or concerns, contact your agent or a www.starkquote.com insurance agent.

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