Some people think it really doesn’t matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Don’t treat the purchase lightly.

There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:

1. Independent Insurance Agents, who represent many insurance companies and compare those companies' products to find you the best combination of price, coverage and service.

2. Captive agents, who can sell you the insurance of only one company.

3. Telephone representatives, who can offer you the insurance of one company, and only on the telephone.

Your Independent Insurance Agent:

• Is a licensed specialist, with strong customer and community ties.
• Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
• Unlike other agents, is not beholden to any one company; thus you don’t need to change agencies as your insurance and service needs change.
• Assists you when you have a claim.
• Is your resource for insurance, working with you as you determine your needs.
• Offers you a choice of insurance plans and programs.
• Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
• Offers one-stop shopping for a full range of products – home, renters, auto, business, life and health.
• Can periodically review your coverage to keep up with your changing insurance needs.
• Treats you like a person, not just another number.

How to Select an Insurance Agent for Your Personal Insurance Needs

1. Ask to see the agent's insurance license.

2. Ask how many companies the agent represents – if an agent represents a number of insurance companies, he has 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. Has the agent earned any designations signifying that she has received advanced training in the business of insurance?

5. Does the agency specialize in insuring a particular type of business or a line of insurance?

6. Did you learn about this agent from someone you trust and respect?

7. 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).

8. Who will handle your account on a daily basis? If it is not the agent ask to meet the other person. Ask about his background, length of service with the agency, etc.

9. What are the agency's hours of operation? Can it be reached after hours and how? How are claims handled after hours?

10. Ask how the agent perceives her role in handling claims, how she track claims, and what role she takes in helping to resolve claims disputes between the customer and insurance company.

11. Ask about his involvement in the local community. What organizations does he belong to; does he serve on any local boards, participate in volunteer activities, etc. IIAANY believes that an agent's active involvement in his community often translates into a greater commitment to his customers.