We’ve shared why choosing a quality insurance agency matters and why not every insurance quote is guaranteed coverage. The next natural question is:
How do you actually know if an insurance agency is the right one?
👉 Listen to Beth explain more on our YouTube page.
1. Are you an independent agency or captive to one carrier?
Independent agencies can shop multiple carriers, pivot when underwriting changes, and act in the client’s best interest—not a single company’s.
2. How many carriers do you represent, and why those carriers?
This reveals strategy versus convenience. A quality agency can explain why certain carriers are a good fit, not just name them.
3. What coverage limits do you typically recommend for someone like me—and why?
Strong agencies lead with protection, not price, and clearly explain their recommendations.
4. How do you handle claims, and what role do you play?
Ask whether they guide you through claims and advocate for you—or simply hand you a phone number.
5. If a claim becomes complicated, how do you help?
Look for agencies with a claims escalation process and a willingness to step in when needed.
6. Who do I contact when something urgent happens?
Knowing you’ll reach a real person who knows your account matters in stressful moments.
7. How can I reach you, and what response time should I expect?
Clear communication expectations are a sign of a well-run agency.
8. What do your Google reviews say—especially the comments?
Look beyond star ratings. Advocacy, responsiveness, and long-term relationships tell the real story.
Why These Questions Matter
In today’s insurance landscape, it’s easier than ever to get a quote—but a quote isn’t guaranteed coverage. Underwriting guidelines must be followed, and proper review is essential to avoid surprises after the policy starts.
Price matters, but coverage and advocacy matter more when a claim happens.
Advocacy Starts Before There’s a Problem
At Aspire, our role is to protect clients before something goes wrong—not explain exclusions after the fact. Sometimes that means slowing down, asking better questions, or walking away from a quote that doesn’t fit.
Quality coverage, with a quality agency, truly matters.