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Rathbun Insurance Blog

All You Ever Wanted to Know About Insurance

Why does my agent ask me so many questions?

When purchasing insurance, you may have noticed that insurance agents ask a lot of questions. This can often seem like an intrusive and time-consuming process, but it is actually a necessary part of the insurance application process. Why do agents ask so many questions and why are they so important?

1)  Agents need to understand your specific insurance needs. Every individual and business is unique, and the insurance coverage they require will vary accordingly. By asking questions, agents can gather information on your property, life, and other factors that could affect the type and amount of insurance coverage you require.

2)  Insurance agents need to gather information to accurately assess the risks associated with insuring you. Insurance companies use complex algorithms and risk models to determine the likelihood of a claim being made, and therefore the premium you will need to pay. By asking questions, agents can ensure that all relevant information is considered in the underwriting process and that we can place your coverage with the carrier that will be the best fit.

3)  In addition to assessing risk, insurance agents also need to ensure that the coverage they offer complies with local and federal regulations. For example, certain types of insurance are required by law, such as auto insurance. Agents will ask questions to ensure that the coverage they offer meets all legal requirements.

4)  Your agent would like to identify any potential discounts or savings that you may be eligible for. Insurance companies often offer discounts based on various factors, such as good driving records or safety features installed in your home. By asking questions, agents can identify these discounts and ensure that you receive the best possible rate.

5)  Your agent wants to establish a relationship with you. Purchasing insurance is a significant financial decision, and it is important that you feel comfortable with your agent and trust that they have your best interests in mind. By asking questions, agents can understand your concerns and tailor their service to meet your specific needs.

The more questions, the better as far as we are concerned.  The Agents at Rathbun Insurance will be asking you many questions for a variety of reasons, including understanding your insurance needs, assessing risk, complying with regulations, identifying discounts, and establishing a relationship with you. While it may seem like a time-consuming process, answering these questions accurately and honestly can help you obtain the best insurance coverage at a fair price.