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Car Insurance Brokers Provide Specialized Expertise

Mar 27, 2008
For many stressed motorists, specialized car insurance brokers can be a great help in finding the right car insurance product at the right price. A broker helps customers find the right service product by obtaining needed information from the customer that helps hone in on the right solution. Brokers are experts on available products and services and can make the process of obtaining good insurance easier for the customer.

The first step in the decision making process when working with car insurance brokers is for the motorist to provide useful information. Brokers will first want to know some basic information about customers, including name, address, age, income, and similar background data. This information is necessary for use in contacting the customer and in better understanding the customer's situation. The more details the broker has on the customer, the easier it is for them to empathize with the customer's needs.

Along with basic contact information, the broker also will need to know some information about the customer's driving habits and product needs. They usually collect this information through an online, phone, or in-person survey. Again, having a good idea of what the customers driving habits and service requirements are can help in narrowing in on the appropriate provider and product. This is a crucial part of the unique benefits provider by a broker. Customers often are not familiar with available features of insurance products and services and sharing information with car insurance brokers puts customer knowledge into the hands of those that do have expertise.

The survey completed by the customer is often called a quote request. Thus, the response from the broker is usually a quote that outlines various features of recommend insurance alternatives. Brokers examine the data provided and can efficiently narrow in on a few options. Sometimes brokers will provide multiple requests that outline various service options at different price points. This allows the customer to ultimately select the most appropriate solution for their given driving situation.

The most effective car insurance brokers are those that recognize the necessity for back and forth communication. The customer is the one who knows exactly what benefits they need from insurance. They need the broker to help find the right products to meet those needs, within the budget parameters. Brokers know the products and services but need the customer to communicate what they are looking for to aid in making the best recommendations or presenting the best options.

Car insurance brokers should be advocates for their customers. Along with helping to select the best insurance option, a customer-oriented broker helps fight for the customer when disputes or claim dilemmas come about. Many customers turn to their brokers when they feel unable to communicate with their insurance carriers. They believe their brokers helped them connect with the insurance provider and expect brokers to be able to help because of their relationships with both parties. Brokers vary in how literally they take this advocate role, but all realize many customer needs is crucial to their success.
About the Author
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance .
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