From this thread, most insurance companies are nearly the same & the agent makes the most difference during claims.

Every potential customer should ask for a performance scorecard, before buying from an agent. To grade agents, not just on how much sales they did.

Some basic numbers.
1. How many current clients do you have?
2. How many years of fulltime insurance work?
3. How many claims have you successfully processed?
4. How many difficult claims have you assisted? give reference info to contact.
5. How many failed claims? give reference info to contact.

No factual answers, no deal. Even if you are my hot sexy virgin girlfriend's father.