In general, there are two types of insurance agents – independent agents who write for more than one company and contract agents who represent a single company.

  1. Contact at least five different agents. Consider using an insurance broker who can help you comparison shop.
  2. Consider the agent’s office and professional staff. Ask for customer references and contact some of them to find out how they like the agent and their services.
  3. Ask for printouts of any proposal they offer.
  4. Ask for the A. M. Best rating of the company offering the policy. Best is the oldest industry monitoring company. An A or A++ rating from Best signifies a good reputation and solid financial foundation.
  5. Deal only with an agent who wants to sell a policy you need and can afford rather than the policy that he or she wants to sell you.

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