It is virtually impossible to overstate the importance of insurance and, in turn, the importance of choosing the right insurance agents in Champaign. The two main types of insurance agents are captive and independent. The difference being that captive agents represent one specific insurance company, for example Farmer’s, Allstate and State Farm agents are captive because they only sell policies from these companies. Conversely, independent agents most often represent multiple agencies, which gives them access to more options than captive agents.
When selecting an agent, it’s important to know your insurance needs. From there, the first step is to ask around for referrals. Find out who your family, friends and colleagues use for their insurance needs. Once you’ve acquired a few names, check the agents’ credentials. Most importantly, all agents should be fully licensed in your state, but may additionally hold other certifications such as Accredited Advisor in Insurance (AAI), Associate in Claims (AIC) and Associate in Insurance Services (AIS). At the least, the agent should possess a Certificate in General Insurance. The final step is meeting with several qualified insurance agents in Champaign and asking questions regarding your insurance needs and their services. Personality matters, so choose an agent you’ll feel comfortable working with for years to come.