So the obvious one for most people is the doctor, most insurance companies pay for an annual physical so hopefully you use it. How about the accountant who does your taxes? If you use a financial planner I hope you are checking in at least once if not twice or even four times a year. You probably even see the dentist once a year as well.
Yes I believe the agent, me, works for you, the customer. This is no different than any time you are spending money on a product or service. This relationship tends to go better if you appreciate the person providing the product or service. How do you do this?
How do you “appreciate”‘ the person you are paying for a service?
Give them a chance to work for you.
Rather than carrying over the poor previous experience you may have had give your potential new agent the chance to shine without thinking he or she is as bad as the last one.
You hear it constantly on the radio and T.V. It shows up in your mail on a weekly if not daily basis, heck a banner ad probably popped up before you even got here. Each insurance company quoting exactly how much money they can save you or how many discounts are available and rarely getting specific on coverage.
Yes, I think saving money can be bad.
If you have not taken the time to review your insurance plans on a regular basis you may actually be saving too much money. Yes I just said too much money.
Well, most people see their family doctor once a year for a checkup. Most people do their taxes each year and have a review with their accountant. If you have health insurance you probably review that at open enrollment each year. As part of a sound financial plan, all of your insurances should be reviewed each year. Why? Are your discounts and coverage adequate? Could you do better? Is your personal information up to date?
I believe in accountability. I also know that there are a lot of pretty simple ideas and concepts that if followed can really impact your rates, your coverage and maybe your impression of insurance. Hey if you have to pay for it it might as well be what you want.
5/11/2015 Not much has changed since the original posting date. Still, believe and think exactly as written above. The difference is that the industry has shifted and I now have more ways to help improve your coverage and impression of insurance.