Need insurance? Then you also need an agent. There are two types of insurance agents: contract agents, who work for a single company, and independent brokers, who work for various firms.

To find an agent, start by contacting at least five different agencies and look around for a broker who can help you compare your options.

When you speak to the actual agents, ask for several customer references and be sure to give them all a call to ask questions and to hear about their experience working with the agent. Don’t be shy -- it’s important to find the right agent.

In general, look for the agent who seems to understand your needs and what you can afford. Stay away from pushy agents looking to score a big sale. A good agent will ask appropriate questions about your needs and listen to what you want.

-- Paula Kashtan