What You Need to Know Before Switching Insurance Agents
Switching insurance agents can feel like a daunting process, but what if making the right move could save you money, provide better coverage, and offer you peace of mind? Whether you’re a homeowner, business owner, or simply someone who wants better service, knowing when and how to switch your insurance agent could be one of the most important decisions you make this year.
We’ll break down everything you need to know before switching insurance agents—so you can make an informed decision and avoid common pitfalls along the way.
1. Evaluate Your Current Insurance Agent’s Service
Is your current insurance agent truly meeting your needs, or are you left with more questions than answers? A key reason many people switch agents is poor customer service or lack of proactive communication. If your agent only reaches out at renewal time or when there’s an issue, that might be a red flag.
Example: Sarah, a small business owner, noticed her agent wasn’t reviewing her policies regularly. When her business grew, she ended up underinsured due to the lack of communication. After switching to a her more proactive agent at Hertvik Insurance Group, Sarah felt confident that her coverage grew alongside her business.
2. Understand Your Coverage Options
Switching agents gives you the opportunity to reassess your coverage. Many people stick with the same policy for years without realizing how their coverage should change as their life or business evolves. A new agent can offer a fresh perspective on what’s best for your current situation.
Example: John had the same auto insurance policy for over 10 years. His family expanded, and his teenage kids started driving, but he didn’t update his policy. His new Hertvik agent helped him by shopping around the different insurance companies and secured him a policy that accounted for the added risk, providing better protection for his family at a comparable rate.
3. Timing Is Everything
Timing is crucial when switching insurance agents. You don’t want to be left without coverage or face penalties for canceling a policy early. The best time to switch agents is often at your policy renewal period, though a reputable agent can help you transition at any time with minimal disruption.
Example: Emily decided to switch agents a month before her homeowners insurance renewal. Her new agent at Hertvik Insurance Group seamlessly took over the process, ensuring that she didn’t experience any lapses in coverage during the transition.
4. Research Potential Agents
When considering a switch, it’s important to research potential new agents. Look for an agent who is not only knowledgeable about insurance but also has experience in your specific needs—whether that’s personal insurance, business insurance, or both. Make sure the agent comes from a reputable agency with a track record of excellent service.
Example: Mike runs a manufacturing business and was looking to switch to an agent who specialized in commercial insurance. After researching several agents, he found Hertvik Insurance Group, who had extensive experience with manufacturers. Mike now has a tailored policy that protects his assets and ensures smooth operations.
5. Consider the Long-Term Relationship
Insurance is more than a one-time transaction—it’s about building a long-term relationship. You want an agent who will be there not just at the start but throughout the life of your policy, helping you adjust your coverage as your needs evolve. Consider switching to an agent who prioritizes long-term relationships and personalized service.
Example: Tom initially switched to a new agent for better rates, but over time, he realized that what he really valued was an agent who understood his changing needs. Hertvik Insurance Group worked with Tom as his life changed—from buying a new home to starting a business—making sure his coverage was always up to date.
Ready to Make the Switch? Contact Hertvik Insurance Group Today!
Switching insurance agents doesn’t have to be stressful or overwhelming. In fact, it can be the best decision you make to ensure your assets are properly protected with personalized service you can count on. At Hertvik Insurance Group, we make the process easy and seamless, handling everything from policy reviews to ensuring no lapses in coverage.
Ready to explore your options? Contact Hertvik Insurance Group today to schedule a consultation and learn how we can better serve your insurance needs. Whether you’re looking for more responsive service or want to reassess your current coverage, we’re here to help you make a confident, informed decision. Let us be the partner that supports you now and in the future!