Genius Advice

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.

Instructions
 
Step 1
Contact at least five different agents. Consider using an insurance broker who can help you comparison shop.
 
Step 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.
 
Step 3
Ask for printouts of any proposal they offer.
 
Step 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.
 
Step 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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