Did you know it is a good idea to read your policy? Atleast glance over it and develop a few questions. Call your agent and ask for some answers. This gives you a good idea how up to date your agent is and also goes a long way in holding down misunderstandings.
I'm often asked the rating of a insurance company. And folks do all kinds of research on a company. I think it is more important to ask your agent a few tough questions. When it comes down to a claim your agent will be the one who helps you - or doesn't!