Insurance agents are really glorified salesmen, and good salesman knows the importance of customer service and being polite to the customer at all times. However, you can easily tell if you are turning into one of those nightmare customers that everyone talks about.
In most cases your insurance agent should be happy to talk to you, but if yours avoids your calls or sounds abrupt during your conversation, you should take a few minutes to see if you are guilty of any of these annoying behaviors.
Calling After The Office Is Closed
If you have an urgent problem, and it’s only a few minutes after the office closed – its fine. On the other hand, if you are simply calling for an inane or routine matter that can be handled during the day, you are wasting their time and yours.
Most insurance agent work from nine in the morning until five in the evening, that’s a big chunk of time that you can reach them for any question under the sun, if you think of something after hours, consider sending an email they can follow up on once they reach the office the next day.
Paying Your Premiums With Large Notes And Late Payments
A lot of companies accept cash payments, but since they aren’t connected to a bank, they can always make change. If you bring the exact amount or round up to the nearest dollar, your agent will be much happier to see you. Paying your fees late also is a easy way to get on your agents bad side.
A lot of agents get bonuses for timely clients, when you pay late; you not only reduce their bonuses but create more work for them. Your agent has to send reminders and make phone calls which are another source of work they won’t be thankful for.
Being behind every once in a while is normal, doing it every month is inconsiderate.
Repetitive Spousal Changes
Relationships have their ups and downs, but when you bring your insurance policy into it, your agent can get fed up pretty quick. If you go through a divorce or separation, it is important to get separate policies, however, changing your policy every time you break up only to change it back when you make up is a sure way to lose the love of your insurance agent.
It’s a fact of life that you can get frustrated when you don’t get something you expect, or you are having a hard time making the person on the other side of the conversation understand your point, in a lot of cases, people resort to sarcasm.
While this is mildly acceptable in social situations, it is never acceptable when dealing with your insurance agent. Your agent is simply a middle man and an employee, the rules that are in place can’t be changed even if they agree with your argument.
In some cases, being overly sarcastic will make your insurance agent less apt to go out on a limb and help you with your complex situation than if you spoke to them in a calmer more appropriate fashion.
Whimsical Policy Changes
There are times when you need to change your policy to reflect changes in your lifestyle or finances, however, making simple changes through your agent several times monthly not only doesn’t make sense, but it can create a feeling of disinterest.
Complaints and Bad Phone Manners
If you want to reduce your rate, it makes sense to call your agent and see if there is any way to make it happen, simply complain about the rate and the service and everything else is not a way to get things done. Listen to the suggestions your agent makes as well as researching on your own prior to calling the office. You can often find ways the agent didn’t think of that can be applied to your policy.
While you know who it is you are trying to reach, you need to clearly identify yourself when you call your agent. Most office phones don’t have caller ID and even those that do, are not often utilized. When you speak, turn down background music and move to a quieter area so that you can be clearly heard.
Sharing Too Much Personal Information
A certain amount of personal information is needed to set up and process your policy, however, your whole life history and that of your family isn’t important when it comes to conversation with your insurance agent.
In fact, agent have a limited amount of time to dedicate to each customer so using their time to give a full biography of your life is the last thing they want to hear. Giving brief details that relate directly to your policy and those listed on the policy are all that’s needed your agent with thank you for respecting their time and their eardrums.