Does your insurance agent have your best interests in mind?

Find out how to identify a trustworthy insurance agent who prioritizes your interests and helps you secure the right coverage. Learn the key qualities of a reliable agent, such as listening to your needs, searching for the best rates, and offering unbiased advice. Don't settle for an agent who pushes unnecessary policies or works for a single company.

UPDATED: Dec 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked

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Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Dec 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked

Are you wondering if your insurance agent truly has your best interests in mind? In this article, we delve into the crucial question, “Does Your Insurance Agent Have Your Best Interests in Mind?” We explore the key qualities of a trustworthy agent, such as listening to your needs, providing unbiased advice, and searching for the best rates and coverage options.

By partnering with an independent agent who works for you, you can ensure your financial interests are protected. To make an informed decision and compare rates from the best insurance providers, enter your zip code now and take the first step toward securing the right coverage for your needs.

Here are a few tips to help you know whether your insurance agent has your best interests in mind, or whether it’s time to shop around for another solution:

One way to be sure your agent is looking after your best interests is to go with an independent agent instead of one that is employed solely by one insurance company. Independent agents, instead of working for an insurance company, work directly for their customers; trying to find the best rates and looking for discounts that will help save you money.

Captive, or dedicated, agents work for one company, and their salary may not be dependent on keeping happy customers. Instead, a captive agent may be more interested in selling you policies you don’t need, or trying to convince you that you are getting the best rates on the market.

If your agent is constantly trying to sell you some new coverage or policy, it could be a sign that the agent is interested in making sales, but not in your needs.

An agent that is looking out for your best interests will let you know if there is a policy you need to have or extra coverage that fits your needs, but she may not push you to purchase policies that would not be of much help. It is a fine line between pushing insurance policies and making sure that your financial interests are being protected, but an agent that has your best interests at heart will do just that.

It is not so much that captive agents are working against you as the fact that they have fewer price schedules and insurance options to offer. Instead of picking among the policies and discounts offered by several different companies, the captive agent is locked into what he can offer and the breaks he is able to give you.

Next time you’re looking to compare insurance quotes, try using a few different agents in order to get the best price and service.

Frequently Asked Questions

Does my insurance agent have my best interests in mind?

In general, insurance agents are required to act in the best interests of their clients. This means that they should provide advice and guidance that is in line with the client’s needs and priorities, rather than prioritizing their own financial interests.

How can I be sure that my insurance agent is acting in my best interests?

One way to ensure that your insurance agent is acting in your best interests is to work with a licensed and reputable agent. You can also ask questions, review policy documents carefully, and seek a second opinion if you are unsure about the advice or recommendations you receive.

Are there any situations in which my insurance agent’s interests may conflict with mine?

In some cases, an insurance agent’s financial interests may conflict with the best interests of the client. For example, an agent may receive a commission or other financial incentive for selling a particular insurance product, which may not be the best option for the client. However, it is important to note that such conflicts of interest are generally prohibited by law and industry regulations.

What should I do if I believe that my insurance agent is not acting in my best interests?

If you believe that your insurance agent is not acting in your best interests, you should speak with them directly and express your concerns. If you are still dissatisfied, you may wish to consider filing a complaint with the insurance company or regulatory agency that oversees the insurance industry in your state.

How can I find a trustworthy insurance agent?

To find a trustworthy insurance agent, you can ask for recommendations from friends and family members, research agents online, and read reviews and ratings from other clients. It is also important to verify that an agent is licensed to sell insurance in your state and to ask about their experience and qualifications.

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Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption