Sure, you are bi-lingual; fluent in both English and Spanish, but there is just something familiar and comforting about doing business with someone who is bi-lingual as well. When it comes to a necessity and a monthly cost such as insurance, it is important that you are choosing your company and agent wisely as not all insurance agents are created equal. There are great resources out on the web today such as the Latin American Agents Association whose membership is made up of the top bilingual insurance agents in the country. Their website (http://latinagents.com) has a tool where you can input your zip code and it will list local agents. Another great way to locate bi-lingual agents is through the free quoting tool at Espanol Seguros (http://espanolseguros.com) which is free and fast. They maintain relationships with not only local agents, but regional and national carriers as well.
Questions to ask your insurance agent:
- What insurance companies do you represent? There are two types of insurance agents in the United States: Captive Agents and Independent Agents. Captive Agents only represent one company such as Allstate or State Farm. Although, there is nothing wrong with Captive Agents, the downside is that they can only quote you through the one company. Independent Agents are agents who represent multiple companies. The upside is that they can provide you with multiple quotes; however they will not be able to quote you with the “Captive” Companies such as Allstate or Statefarm.
- How long have you been in business? It is always good to go with experience. If an agent has been in business for multiple years, they are obviously doing something right.
- Are you a member of any trade associations or consumer protection groups? Agents who are members of trade associations such as the Latin American Agents Association or consumer protection groups such as the Better Business Bureau are required to maintain a standard level of service to keep membership. This ensures that you are in good hands!
- Do you provide any other types of insurance? It is always good to bundle your insurance with the same agent. If they can help you save money on your auto insurance, then chances are that they can help with your home, renters, life or health insurance.
Finding a new agent can be as easy as picking up the phone or going to a website, but finding a high quality agent takes a bit of research. Arm yourself with information, ask the right questions and always make sure you feel comfortable with your purchase.
What questions do you ask when shopping for a new insurance agent?
EspanolSeguros.com is a single stop website for Latinos who are looking to save money on their auto insurance, home insurance and life insurance. Hispanic consumers submit some basic information through a user-friendly lead form or by calling (877) MY-SEGUROS or (877) 697-3487, and minutes later are connected with the right insurance professional who walks them through the process of obtaining a new policy, or reviewing their current policy for savings.