Selecting an insurance agent/producer A licensed agent/producer can help you purchase insurance coverage. They can inform you about thetypes of policies available and how you can best protect yourself. They should assist you in filing claimsand making sure your claims are settled promptly and fairly. Agents/producers must be licensed by theMissouri Department of Insurance. Their license is proof they have passed state examinations thatrequire a thorough understanding of insurance policies and practices. Always be sure that you are doingbusiness with a licensed agent/producer. A responsible agent/producer will: · Take time to clearly explain your policies and coverage. · Review your insurance needs annually to see that your policies are adjusted to changingcircumstances. · Examine your overall insurance picture when you are considering additional coverage. · Explain how your premium rates are determined, and suggest ways you can save money on yourauto insurance.