"Curious though—do you think it's more about the individual agent or does the company's training play a bigger role?"
Good question... honestly, it's probably a bit of both. Companies set the baseline, but some agents just naturally dig deeper into niche stuff. Ever asked an agent directly about their experience with classics?
Company training matters, sure, but don't underestimate the individual agent. I've had agents from the same company give me totally different experiences. One State Farm guy knew classics inside-out, while another barely knew what Hagerty was. Best bet is to just ask them straight-up about their experience insuring luxury or classic vehicles—if they hesitate or start making vague promises, move on...
"Best bet is to just ask them straight-up about their experience insuring luxury or classic vehicles—if they hesitate or start making vague promises, move on..."
This is spot-on advice. When I was shopping around for coverage on our family SUV, I made a checklist beforehand: first, ask specific questions about scenarios that matter most to you (like roadside assistance or claims handling); second, gauge how confidently and clearly the agent answers; third, trust your gut if something feels off. It's amazing how quickly you can tell who's genuinely knowledgeable versus who's just winging it...
When I was shopping around for coverage on our family SUV, I made a checklist beforehand: first, ask specific questions about scenarios that matter most to you (like roadside assistance or claims h...
I like the checklist idea, hadn't thought of that. I'll probably steal it for later, haha. But honestly, I've found even confident agents can sometimes oversell their experience. Like when I asked about towing coverage and got a super detailed answer...only to find out later they completely missed the mileage limit part. So yeah, trust your gut—but verify the details yourself too.
Haha, I feel you on the overselling thing. When I was first looking into insurance, I asked about rental car coverage and got this super confident "oh yeah, totally covered" response. Turns out it was only partially covered and had a daily limit...oops. But yeah, the checklist idea is solid—wish I'd thought of that earlier.
"trust your gut—but verify the details yourself too."
Exactly this. Agents mean well, but double-checking never hurts. Good luck with your decision!
