By Nelson Hatchett | January 22, 2019

3 Signs It Might Be Time to Look for a New Insurance Agent

Change doesn’t have to be hard, but it is almost always harder than doing nothing. There’s an emotional barrier to it because to have a chance at something new, you have to give up the thing that’s familiar. People don’t like to do that, even if they’re not crazy about the familiar thing.

But, even though change is often stressful, people still make changes all the time. Why? Because, sometimes, the long, ongoing pain of keeping things the same is worse than the temporary stress of making a change. The same holds true for choosing an insurance agent. It’s always easier to stick with the devil that you know, except when it’s not. Sometimes, staying really is more painful than switching. Sometimes, even though change is hard, it’s time to look for a new agent.

When our clients first made the move to our agency, it was usually for one of the following 3 reasons. See if any of them apply to you.

1. You’re disappointed with the amount of attention you get.

  • Sure, your agent was warm and personable when he closed the deal on your first policy, but what about now? When’s the last time you heard from your agent other than when purchasing or renewing a policy — in other words, other than when your agent is getting paid? If the answer is “I haven’t heard from him,” then it might be time to look for a new agent.

2. You’re frustrated that a claim didn’t go well.

  • You buy the policy your agent offered you. Then some kind of accident happens. You think, “Glad I bought that insurance,” and turn in a claim, expecting insurance to take care of it. But it doesn’t. Or, if it does, it doesn’t pay nearly as much as you thought. You call your agent demanding answers and get a response like, “Oh, yeah, sorry to hear that. Insurance doesn’t pay for THAT kind of accident. That’s just how it goes.” If you can relate to this, then it might be time to look for a new agent.

3. You’re tired of writing checks every month without really understanding what you’re paying for.

  • You bought the policy your agent recommended. But why did he recommend that one? You’re looking at your policy, and it has a lot of insurance jargon in it. What exactly does it all mean? Does it cover what you need it to cover? Does it charge you for a lot of things you don’t need it to cover? Can you explain in plain English why each line of coverage is there? Can your agent? If you don’t have good answers to these questions, then it might be time to look for a new agent.

If any of the pains above apply to you, then now might be a good time to reevaluate your options. Making a new decision is temporarily stressful, but the pains outlined above are chronic. If you want to talk more about any of them, just give us a call or click “Contact Us” on the menu above.