Insurance Agents: Separate yourselves from the crowd

Written by Marion Ingram

In today’s world of direct writers, internet quotes and discount insurance companies, it is easy to get lost inrepparttar hustle and bustle of being an insurance agent. We insurance agents, while not quite threatened by extinction, are becoming nothing more than glorified order takers.

Warren Buffet says that insurance is a commodity and price isrepparttar 145248 main factor inrepparttar 145249 market place. It seems that nowadays, lowest price wins, regardless ofrepparttar 145250 other factors. More and more people are turning to direct writers because they believe that 15 minutes and a catchy commercial with a dancing lizard can save them some money. Forgetrepparttar 145251 relationship, forget being able to actually see your insurance agent and forget you if you are $0.01 higher thanrepparttar 145252 "other" guy.

So how do we as insurance agents take a stand and be able take back some of our customers? How do we improve our close ratio? How do we change our customers’ attitudes about price torepparttar 145253 point that leaving you for a few dollars will never cross their mind? I can answer that question with one word: rapport. Rapport is a funny thing, it makes you memorable, it makes you likable and most importantly it makes you human. So how do we build rapport with potential or existing clients? In this article we will discuss how to hitrepparttar 145254 ground running with rapport, how to build it fromrepparttar 145255 word go. I will show you how to make more sales, improve your close ratio, learn more about your clients and have fun while doing it.

Next time you getrepparttar 145256 chance call around to some ofrepparttar 145257 competition in your area and ask for a quote. Listen and learn to how they interact with you. Do you likerepparttar 145258 person you talk to? Would you buy from them? What made them good or bad at making a connection with you? Take notes about what you liked and what you didn't. Incorporate these ideas into your sales strategy and watch your sales increase.

Below I have three examples of how I have heard insurance agents talk to potential customers on their initial phone call. Keep in mind that I have not written any responses fromrepparttar 145259 client since, in this example, only whatrepparttar 145260 agents say is important. I will userepparttar 145261 following scenario for an example:

Jill, a single mother of two, believes she is paying too much for her insurance and goes online to and requests a free quote. She gets a call from three agents that are near her home.

Agent 1: Hi Jill. This is Tom from Big Insurance Company calling about your request for insurance. I wanted to follow up with you to verify some of this information with you and ask you a few additional questions. I will get this worked up and give you a call back.

Tom has done a nice job of being polite if he hasrepparttar 145262 best price in town he might berepparttar 145263 agent that Jill ends up using.

Agent 2: Hi, Jill, This is Nancy with Gigantic Insurance Company. I saw where you wanted a home insurance quote. Do you have a second? What is going on with you current insurance company? What are some things you like about your current company? What are some things that you don't like? Alright, thanks for your time, I will call you back shortly.

7 Sure-Fire ways of reducing your home insurance premium

Written by Bill Smith

7 Sure-Fire ways of reducing your home insurance premium

Home security improvement:

All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums.

When possible, choose a higher deductible:

To reduce your premium, it is best advised to increaserepparttar deductible torepparttar 145247 extent you can afford. Your home insurance premium will fall by as much as 20% if you increaserepparttar 145248 deductible from $200 to $1000.

Multiple insurance – Same provider:

If you consolidate your home insurance and auto insurance with one insurance company, expect a premium reduction between 10 – 15%. This also means you are making one payment for all your insurance needs. Consolidate and win.

Discount for non-smokers:

Some home insurance companies will offer a non-smoker discount torepparttar 145249 tune of 15%. Check with your insurance company if they offer a non-smokers discount.

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