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7 Qualities of the Best Albany Insurance Agents

albany insurance agentsWorking in the insurance business for six years now, acquiring my Certified Insurance Counselor designation, working with over 600 new clients, speaking at over 15 insurance industry events in 2012 and learning from my father-in-law’s (and the owner of The Murray Group) 40 years of experience, I can now explain with confidence the 7 qualities of the best Albany insurance agents.

I don’t say these things to brag.  Please don’t take it that way.  But the truth is, these experiences have put me in front of so many different insurance agents that I can now recognize the similar qualities of the best insurance agents.

See at The Murray Group, our mantra is Give. Guide. Grow. and exposing you to the qualities that make an Albany insurance agent best-in-class is part of guiding you through the insurance buying process.  The goal of this blog has always been to help you become the most informed insurance consumer possible.

So without further ado here are the 7 Qualities of the Best Albany Insurance Agents:

1) Focus on Coverage

Too many agents focus on price as a way to attract new clients instead of focusing on what is most important, coverage.  Insurance is an incredibly complex product, so when choosing an insurance agent it’s important to partner with an agency that is truly looking out for you best interest and protecting the assets you’ve worked so hard to accumulate.

2) Dedication to “A” Rated Carriers

Independent insurance agents have the option to work with whatever carriers they choose.  When choosing an Albany insurance agent, choose someone who works with the best insurance carriers in New York State.  You can find the insurance carrier at AM Best.  These financially strong insurance carriers make good partners when you have a claim.

3) Longevity with Insurance Carriers

From my experience it says something when an insurance agent has been doing business with the same insurance carrier for a long time.  At The Murray Group we’ve been working with New York Central Mutual for over 30 years.  These long term relationships show stability and dedication to both the agents business and the insurance industry.

4) Willingness to Disagree You

You are not an insurance agent and subsequently you do not have the same level of expertise an insurance agent does.  It’s important that you work with an Albany insurance agent who is willing to tell you what needs to get done versus what you want to hear.  Insurance is meant to protect you and many common misconceptions of insurance consumers can have horrible repercussions if not addressed when you purchase your policy.

5) Comfortable Talking about Exclusions

Quality insurance agents have no problem talking about what is excluded on an insurance policy.  Exclusions take away coverage, which isn’t necessarily always an easy conversation to have.  But exclusions are often the most important par of an insurance policy.  Make sure the agent you choose is comfortable describing where coverage has been taken away.

6) Admits Mistakes

Mistakes are going to happen.  It’s the nature of life and business and working with an insurance agent who’s willing to admit when there has been a mistake and take the necessary steps to correct the issue before things get out of hand is very, very valuable.

7) A Focus on Education

You’re insurance agent should NOT just be selling you an insurance policy and moving on.  Insurance consumer education should be a way of life for the agent you choose.  This blog is part of The Murray Group dedication to educating insurance consumers and is a part of our business we feel very strongly about.

Notice in the 7 Qualities of the Best Albany Insurance Agents I didn’t once mention price.

You want to know why?

Not because prices isn’t important, price is very important, but because a competitive price is a natural by-product of an Albany insurance agent that meets these 7 qualities.

Researching insurance and specifically researching the best Albany insurance agent to do business with can be frustrating.  There isn’t a lot of information Online about Albany insurance agents and what they stand for.  I hope this list of qualities helps you make a decision your satisfied with when choosing an Albany insurance agent.

Yours in insurance,

Ryan Hanley