Saturday, October 13, 2012

What You Need To Know About CA Auto Insurance Agents

By Jeremy Clathiodill


The country US of A is a country that warrants automobile owners to get insurance. But since it is composed of fifty states, each state has its own laws regarding car insurance. A good example would be the state of California.

The state has passed a law that requires every car owner to have an auto insurance that is in accordance with the requirements of the state. This means that California drivers must have both bodily injury and property damage liability insurance policies. This means that you would have to look for a CA auto insurance agent when you reside in California.

An Auto Insurance Agent is one that sells policies that shelter vehicle owners from financial loss through damage, car accidents or auto theft. Other than those mentioned, the policy can also cover things like towing and car rentals when your auto gets damaged.

There are two types of auto insurance agents to date. First is the Independent Auto Insurance Agent who are just like brokers that search for insurance companies and look for the best policies for their customers. The other kind is the captive agent who works for one insurance company and offers only the policies that are found in the company he or she is working at. Another difference between the two is that the independent broker earns money by commission and the one who works for a company receives a constant salary.

The kind of agent you hire usually is dependent on your own personal choice. Things that you have to remember when choosing though are that the agent must be excellent communicators with strong sales and customer service skills. The agent must also manifest initiative and he or she should give reliable information on the policy. Aside from that he or she must be able to give you information on what are included in the policy and the amount you'll have to pay monthly. He or she must also be there for you when situations like making a claim arrive. The number one quality that your agent must have is the ability to form a policy that is beneficial to you and your automobile and also one that is in tune with the kind of lifestyle you are living.

If you are now ready to browse through insurance agents, you can check out California insurance agent listings where you can find an extensive list of agents. One essential thing to keep in mind though is that you have to be smart and careful with the decision you make so that you will land an agent that is both efficient and cost-effective.




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