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How to Compare Homeowners Insurance
Insurance companies offer many types of coverages with varying premiums, depending on the state where you reside. You may require homeowners insurance for the safety and security of your property and its contents, or injuries sustained by anyone on your property. When shopping for homeowners insurance you should make sure to compare the kinds of coverage offered by different companies. Here are some guidelines that can help you to save money on premiums.


  1. Go online and search for insurance companies that offer homeowners insurance. You will find several that are located in your state.
  2. Decide what kind of coverage you are looking for. The replacement costs for your home and its contents work as decisive factors in assessing this.
  3. Get contact numbers for the different companies. Talk to your local agents and seek their advice on the type of policy you should buy to get maximum coverage. Ask for the cheapest insurance quotes available for such a policy.
  4. Compare the policy coverage based on your home location. For example, if you live in an earthquake or flood-prone area, your homeowners insurance should provide that coverage. The premium for that specific type of incident will likely be somewhat expensive.
  5. Examine the coverage based on the quality and type of your home’s construction. For example, if you live in a stone and brick home in Florida you may want to consider buying a cheaper policy as the likelihood of damage from forest fires, floods or tornados is less.
  6. Evaluate the policy based on the age of your building. If your home is newly built, you will require lesser coverage since things such as heating and ventilation should be of better quality compared to an older property.
  7. Play with the deductibles. There is a good possibility of reducing your premium by allowing an increase in the deductibles. Be sure to ask for any discounts that an insurance provider might offer.

How to Get Health Insurance to Cover Chiropractic Care
Chiropractic care entails diagnosing and adjusting back problems by manually manipulating the bones in the spine to ease pain and restore mobility. Years ago, chiropractic care and other forms of alternative medicine were considered unorthodox and often weren’t covered by health insurance providers. Today, as more and more insurance carriers are looking for ways to promote wellness and good health, the rules have changed.

Get Health Insurance to Cover Chiropractic Care

  1. Find out what is covered by your health insurance plan. Check to see if your chiropractic care team is listed among their approved providers for those services.
  2. Determine if your insurance carrier is an HMO (Healthcare Management Organization) or PPO. HMOs will generally only cover practitioners who are on their approved list. PPOs tend to pay for any chiropractic service, usually up to 80 percent of fees charged by providers not on their preferred list, as well as a prearranged fee to the provider if they are preferred.
  3. Get your chiropractor’s office team to help you find alternatives to your health insurance if you can’t get coverage for your visits. Many practitioners have special financing plans available.
  4. Look for more information about insurance coverage and rights of the insured online at the Web site (see Resources below).

What Is the Policy on Homeowners Insurance When the Owner Is Deceased?

After an individual dies, the executor of his estate must handle many items until the estate is distributed. One issue that often comes up is what to do with the homeowners insurance while the house is in probate. Most insurance companies do not like the house to be left vacant for an extended period of time.

Executor Responsibilities

  • The executor basically handles everything in regard to the individual’s estate until it is finalized. During this period, the executor may need to call the homeowners insurance company and change the name of the policy over to the estate. The executor may also need to add his own name to the homeowner’s insurance policy during this process.

Insurance Company Grace Period

  • Most insurance companies do not like to leave houses vacant for extended periods of time. This tends to lead to vandalism, theft and other losses that the insurance company could be responsible for. Because of this, the insurance company may be reluctant to allow the home to stay vacant. In most cases, the insurance company will provide a grace period of 60 days to 90 days in which the house can sit vacant before the policy is dropped.

Transition to New Owner

  • Typically, when an individual dies, all of his assets are distributed to his beneficiaries by the executor. The homeowner has the opportunity to pass the house on to a loved one. Once this happens, the beneficiary will then have to take out a homeowners insurance policy on the house. Because of this, the house typically does not have to remain unoccupied for very long. Even if the beneficiary plans on selling the house, he will need to take out a policy under his own name.

Coverage Riders

  • When a homeowner passes away, you may want to check with his homeowners insurance company about coverage riders. In some cases, the homeowner may have a type of mortgage life insurance attached to the policy. With this type of coverage, the insurance company will pay the mortgage when the homeowner dies. This takes the burden of the mortgage off of the family members and basically provides them with a paid-off house to use.

About Cheap Car Insurance for Young Male Drivers
Statistically, young male drivers are the biggest risk for auto insurance companies. Guys between the ages of 18 and 25 have more accidents than any other group, male or female. Because of this, it makes sense that insurance companies charge young men more for coverage. Fortunately, there are ways to lower the cost.


  • A car insurance policy will cover damages to another person’s property and physical injuries, if either or both were caused by the insured driver. Some policies will also pay for repairs to the insured driver’s vehicle, whether he caused them or something or someone else, such as an uninsured driver or a hailstorm, caused them. A young male driver should determine what type and how much insurance he will need. He should then shop around with several agencies to find the best deal.


  • Comprehensive car insurance is the most inclusive type. That also makes it the most expensive. If you are trying to save money, you should probably look at other types, unless you are financing your car. If so, full coverage will be required. Fire and theft insurance covers less than comprehensive. It will pay you if your car is stolen or damaged by fire, though. This type costs less than full coverage, but third-party insurance is the most affordable. This basic type of insurance covers only damage caused by the insured party to another vehicle or person.


  • A clean driving record equals a lower insurance premium. Strive to keep yours free of speeding tickets and other citations. If you do receive a ticket, find out if you have the option of taking a defensive driving course to avoid having points added to your license. More points mean a higher payment. In addition, if you are currently a student, the higher your grade average is, the lower your premium might be. Ask insurance companies how these qualities will get you cheaper insurance.


  • Choosing the right car will also help you get the cheapest insurance. As a rule, the less expensive a car is, the cheaper the insurance will be. Domestic vehicles usually help you garner a lower rate, as do slower ones. Six cylinders cost less to cover than eight, and four cylinders will be cheaper than six. Forget about a hot sports car or sporty SUV. If your goal is affordable insurance, a four-door or minivan will be your best bet.


  • When shopping around for car insurance, ask questions. Find out about every discount available to see if you qualify for any. By limiting the amount of driving you do, you can substantially lower your rates. Finally, set a higher deductible. You will pay more out of pocket if you are involved in an accident, but you will pay less up front. Besides, by continuing to drive safely in your sensible car, your likelihood of having any accidents will greatly decrease!

How Does Insurance Work?


  • Insurance provides people and companies with protection against major financial losses due to damage or loss of property. In exchange for a periodic payment or premium, individuals and companies are guaranteed to be compensated or reimbursed under the terms of the insurance policy. Insurance is a part of daily life. Car insurance and homeowner’s insurance are two of the most common forms of insurance. Health insurance and workmen’s compensation are also well-known types of insurance. While insurance is a part of most people’s lives, not everyone understands how it works.

How Insurance Works

  • There are always risks in life such as fire, theft or earthquake. Many people hope to avoid the financial consequences of replacing personal property that is lost or damaged. Insurance is a way to protect your personal finances from undue burdens. Insurance is really a form of risk management in which the risk is transferred to the insurance company in exchange for payments or premiums. When a person purchases insurance, he gets an insurance policy which is a legally binding contract. This policy describes in detail all the rights, responsibilities and obligations of both the insured and the insurance company. If a person suffers losses covered in the policy, he files a claim. A claim is a detailed account of what is lost or damaged and its value. The amount of money a person is reimbursed is based on the amount of the policy. If the policy is for $5,000 that is the maximum amount the insured person can get.

    When individuals or companies purchase insurance policies, all the money from the premium is combined into what is called the insurance pool. Insurance companies use statistics to predict what percentage of insured people or businesses will actually suffer a loss and file a claim. The statistics also help to determine the amount of the premium. Other factors such as credit scores and previous claims are also taken into consideration. Because the vast majority of insured people do not suffer losses or only small losses, the insurance companies make a huge profit which enables them to pay out the occasional huge claim.

Types of Insurance Available

  • There seem to be insurance policies available for any situation. Anything that has a potential risk of loss or damage can be insured. One policy can cover several areas of risk such as a homeowner’s policy dealing with fire, theft and liability. Some of the more common kinds of insurance are renter’s, life, disability, liability, travel and pet insurance. Companies have political risk insurance if they do business in politically unstable countries. Crime insurance protects against theft or embezzlement. Property insurance protects against loss of boats, planes, and farm crops. Boiler insurance is for machinery and equipment. Credit insurance provides protection for loans if the borrower should die, becomes disabled or lose his job. There is insurance to protect against natural disasters such as flood, windstorm, earthquake and volcano. Nuclear accident insurance is also available as is kidnap and ransom insurance and terrorism insurance. In considering any of these types of insurance you have to assess your situation and determine what is best for you, your family and your business.

How to Get Cheaper Online Auto Insurance Quotes
Not only is auto insurance required by law but it’s also a good thing to have should you get into an accident or your auto is stolen. Unfortunately rates vary greatly between auto insurance companies and the cost of the premiums can equal or even exceed the payments on your auto. This is especially true for new drivers or one with a poor driving record. With some research on your part and following some simple steps you too can get cheaper auto insurance quotes online.


  1. Search around, don’t automatically assume the largest companies will have the best rates. In fact, they spend a significant amount of money on advertising, which is paid for by you, their customer. Don’t be afraid to visit sites of lesser known insurance companies, you’ll be pleasantly surprised at their rates. Lot’s of lesser known insurance companies will give you a lower online insurance quote, you just have to find them.
  2. Take a defensive driving course. 5 hours of your time could equal 10% off your premiums. It’s a good idea to take one of these every few years anyway as it will reduce your insurance rates and remove points from your license. A win – win situation for you. A little known fact is the motorcycle safety course also gives a discount on your auto insurance premiums. Make sure the insurance company knows you have the completion certificate, that way you’ll get cheaper online auto insurance quotes.
  3. Buy a auto with inherent lower insurance rates. Don’t buy a Ferrari for a new 18 year old driver. Go with a safer auto, your rates will be much cheaper when you apply for an online insurance quote.
  4. Instead of taking a low deductable. Take a $1000 deductable and just put $1000 in a savings account. Not only will your rates be lower, but your money will earn interest in the bank. Another win – win situation.
  5. Don’t automatically assume that adding a second vehicle to your existing policy will give you lower rates. Always get an online insurance quote listing both vehicles from another auto insurance company.
  6. If your state allows insurance companies to check your credit rating as part of their quote then do everything you can to clean it up before you ask for an online auto insurance quote.

How to Become an Agent for Progressive Insurance

Progressive Insurance employs agents and brokers across the U.S., offering home and auto insurance to consumers. Licensed agents interested in working for Progressive Insurance must be aware of the application process and requirements involved.


  1. To apply, you must meet the minimum qualifications and be licensed in your state of residence. Contact the Department of Insurance to confirm that your license is in good standing.
  2. Visit the Progressive website to apply online. Click the “Apply” tab and follow the instructions. To begin, confirm eligibility and complete the online questionnaire (allow 10 minutes to complete the questionnaire).
  3. Have your Errors & Omissions (E & O) policy ($300,000 minimum aggregate is required) and agency production report information ready. Contact the licensing department at (877) 776-2436 and follow the prompts, choosing option 3, then option 2, to speak with a licensing representative.
  4. Submit to a fingerprint and background check.
  5. Provide a business location (this cannot be a home address) and show proof of Internet service.

How to Buy Florida Homeowner’s Insurance
The very real threat of hurricanes makes adequate homeowners insurance a must in Florida. Homeowners insurance can pay for the repair or replacement of your house if it is damaged by a hurricane, tornado or other natural disaster. Homeowners insurance also offers protection for other types of damages, such as theft of personal items after a break-in or repairs needed after a tree falls into your roof.


  1. Compare rates from the Shop And Compare homeowner’s insurance website produced by the state of Florida. The site isn’t detailed enough to tell you exactly how much you would pay for homeowners insurance, but it can offer a general idea about pricing from the various insurance companies licensed to sell in Florida.
  2. Select an insurance company. Seek referrals from real estate agents, bankers, friends, and others. Confirm, if necessary, that the company is authorized to sell homeowners’ insurance in Florida by searching for the company’s name in the Florida Office of Insurance Regulation database.
  3. Choose your level of coverage. Consult with your mortgage company for guidance on how much insurance to buy relative to what you owe on the house. Calculate how much you would need to pay off the balance and purchase a new home if necessary. Florida endured brutal back-to-back hurricane seasons in 2004 and 2005, with tens of billions of dollars in insured damages caused by eight hurricanes and four tropical storms, according to the state of Florida website. As a result homeowners shopping for insurance are presented with a sliding scale of options, each offering a different level of protection. For example, some policies offer discounts for homes built to minimize damage from storms. Such homes may feature hurricane shutters or storm-proof windows.
  4. Contact a licensed agent and purchase the insurance.

How to Avoid Vacant Home Insurance
Vacant homes pose a higher risk to an insurance carrier, which often means a large ding in the pocketbook to the policyholder. Homes without occupants or furniture can be prime targets for vandalism, theft and other perils when left unmonitored. While it is never a wise idea to hide vacant home status from an insurance carrier, options to minimize cost and risk are available for such homes.


  1. Insure the house as a second home. Keep furniture in the home and visit regularly, even if only as a vacation home. Install an alarm system for fire, smoke and break-ins. Winterize the home to protect it from burst pipes caused by freezing temperatures.
  2. Rent the home out. Purchase a landlord policy, which is more expensive than regular homeowner’s insurance but less costly than vacant home insurance. Up the liability limits for improved asset protection, as renters are sometimes less likely to care for the home as well as a homeowner.
  3. Install a caretaker in the home. Giving someone free accommodations in return for maintenance is less costly than purchasing a vacant home policy. Plus the home is less likely to suffer from vandalism or perils such as water leakage or burst pipes.
  4. Purchase a vacant home exclusion on your regular homeowner’s policy. Not all insurance carriers offer this, but it is often one way to maintain vandalism coverage on the home without the threat of cancellation.
  5. Sell the home, if feasible, within the 30- to 60-day vacancy period allowable on most regular homeowner policies. Check your policy particulars to see how long your home can be vacant before you have to purchase a vacant-home policy.

How to File for a Deer Collision With Progressive
Running into a deer can cause serious damage to your vehicle. Depending on your speed, the angle of collision and the size of the animal, your vehicle can end up with a minor dent or damage that makes it inoperable. If you have vehicle insurance through Progressive, you can contact the insurance company to file a deer collision claim and get the damage repaired.


  1. Call the phone number for your local Progressive insurance office. If you deal with a local representative, you may have the agent’s business card with your proof of insurance card. If you hit the deer after hours and the nearest office is closed, call 800-PROGRESSIVE, which has agents available 24 hours a day, seven days a week.
  2. Explain the situation to the agent. The agent will ask you several questions that are required for your accident/insurance report. Answer each question honestly. You must identify the accident location, where you were going, the time of the incident, the direction from which the deer approached, whether you consumed alcohol prior to the incident and your approximate rate of speed at impact. The agent will also ask whether you contacted the police and if your vehicle required a tow. A deer collision will not raise your insurance rate, but you will be required to pay your deductible to have the vehicle repaired.
  3. Choose a nearby repair shop approved by Progressive. The agent can give you a list of approved repair locations.
  4. Take photos of the damage for your records. With insurance claims, it is wise to have photos of the damage in the event of a problem with the repair.
  5. Take your vehicle, either by driving it or having it towed, to the approved repair shop. The shop manager will give you an approximate amount of time for the repair. Depending on your insurance plan, Progressive may book a rental vehicle for you while your car is being repaired.
  6. Return to the shop when the work is done and inspect it to ensure the damage has been repaired thoroughly. If there are any problems with the work, contact your Progressive agent and explain the situation.

How to Find Home Insurance Quotes Online
Every so often, it’s a good idea to shop around for the different insurances you have to make sure that you are getting the best possible deal out there. Here are some places to look to find home insurance quotes online.


  1. Visit Type in your zip code. Then pick the home insurance type that you need: homeowners, condo, town home, landlord, or renter. For the site walkthrough, I clicked on homeowner. This brings up another page in which you plug in the year the home was built, the number of stories, property type, and exterior walls. Next, garage, basement, home security system, and roof type. Plug in the square footage, number of bedrooms, bathrooms (full and half), fireplaces, decks. There is also an area of potential discounts on this page: deadbolts, smoke alarms, fire extinguishers, manned fire station within 5 miles, and nearby fire hydrant. The next page is for add-ons such as hot tub or central air as well as a list of dogs. Check if you own any of them (such as Rottweiler or Pitbull). Next it asks about your current home insurance coverage and the estimated replacement cost of the house, not the house and the land. Then it asks what kind of deductible and liability coverage you would like to have. Finally, it asks for your date of birth and the address of the home to be insured. It then asks for past insurance claims and any valuable items that you would like to have insured. It acts for you to rate your credit (excellent, good, some problems or major problems). It then shows a review of the information that you provided. Plug in you name, phone number, and email and you’re done.
  2. There is fine print to keep in mind when using this site: “By clicking Continue and seeking a quote request, I authorize and agree that up to eight insurance companies or their agents and InsureMe partners may contact me using this information or to obtain additional information needed to provide quotes where permitted by law. Insurance companies or their agents that receive a quote request from InsureMe may confirm my information through the use of a consumer report, which may include my credit score and driving record. I authorize and instruct InsureMe and its partners to obtain a consumer report. I acknowledge that I have read and understand all of the InsureMe Terms and Conditions and agree to be bound by them.”
  3. Another website to use: This site requires a great deal less information. This may seem better but the first website might be more accurate with its quotes. This site needs to know the type of house, square feet, number of bedrooms and baths, year built, alarm, construction, electric system, purchase price of the house, claims, and your name, address, phone, email, birth date, and gender.
  4. The nice part about this website is that you fill out all the information on the same page. One page and then you’re on your way to finding the best home insurance policy for you.
  5. Some insurance companies that are more famous for their car insurance, such as Allstate and State Farm also offer home insurance. Most cases, if you insure both your car and house under the same company, you will receive a discount rate. Might as well shop around for the best car insurance quote if you are going this route. See my link under resources for finding free car insurance quotes online.
  6. It is important to buy home insurance. Your home is the most important investment you will ever make. Why wouldn’t you want to find the best home insurance policy to protect that investment?

Ways to Sell More Insurance Policies
Selling insurance isn’t an easy job, especially when the economy is struggling. Consumers are less likely to spend money on insurance policies of any kind, whether life, health or property. As an example, the Insurance Information Institute reported that the net income of property and casualty insurers fell 59.3 percent in the first half of 2009. If you want to sell more insurance policies, you’ll have to convince consumers that what you’re offering will benefit them, even when money is tight.

Selling insurance isn’t an easy job, especially when the economy is struggling. Consumers are less likely to spend money on insurance policies of any kind, whether life, health or property. As an example, the Insurance Information Institute reported that the net income of property and casualty insurers fell 59.3 percent in the first half of 2009. If you want to sell more insurance policies, you’ll have to convince consumers that what you’re offering will benefit them, even when money is tight.

Convince Need

  • Consumers today are worried about their finances. They see that unemployment is still high–it reached more than 10 percent in October 2009, according to the Bureau of Labor Statistics–and worry for their own jobs. As an insurance salesman, no matter what product you are selling, you can’t ignore this.

    You have to convince consumers that not only do they need what you are selling, but that it will help them through the country’s economic hard times.

    If you sell homeowners insurance, you might inform your potential clients about how a policy can save them significant money if they are robbed or if a tree falls on their home. If you sell auto insurance, you can explain to them that they’ll be in far less serious financial trouble if they have a good auto insurance policy should they get into a serious traffic accident.

    And if you sell health insurance, make sure to inform potential clients about how financially devastating a serious injury or illness can be when patients don’t have adequate health insurance.

    Remember, more consumers are only spending money on absolute necessities these days. It’s your job to convince these consumers that your insurance is one of these necessities.

Save Them Money

  • Consumers are looking for bargains. You can help them by offering them discounts on your insurance policies. If you work for a major insurance company, you probably can offer several different discounts. Make sure to highlight these for your potential customers.

    For instance, if you’re selling auto insurance, make sure to highlight the discounts you can provide to drivers with good driving records or to those who commute to work each day on the train while leaving their cars in their garages. And don’t forget to mention the discount you can provide to drivers who have equipped their cars with security systems.

    If you’re selling life insurance, make sure to emphasize that you can provide discounts if the potential customer is a non-smoker. If you’re trying to move homeowners insurance, tell customers that you can cut their monthly premiums if they purchase home security systems.

    And don’t forget that your customers can receive discounts if they take out more than one type of insurance–say life insurance and auto insurance–with you and your insurance company.

    These discounts might convince otherwise leery customers that your insurance policy is a good buy.

Make It Easy On Them

  • Consumers have always been busy. They’re juggling more than ever, especially because so many are working harder for less money. This means that they want their financial transactions to be easier than ever.

    As an insurance agent, it’s your job to get in touch with your clients when they might need to update their insurance coverage. When your customers call you, you must get back to them quickly. You must provide them with a multitude of ways to contact you, including email. In fact, many customers prefer talking to their financial professionals strictly through email. They don’t have time to make a phone call.

    If you want to sell more insurance policies, you must adapt to the changing world of business. Speed, added value and discounts are all musts today. If you ignore this, you run the risk of seeing your yearly revenues dry up.

Can You Have Two Auto Insurance Policies on One Car?

Most states require all drivers to carry insurance on the vehicles they are driving. The easiest way to insure another driver in your household is to add him to your current policy; however, if you want to maintain separate policies it is legal to do so. If a driver has a DUI conviction, she may have to get separate insurance on any vehicle she drives.

Living in Two States

  • If you live or work in two states, you may have to buy a separate policy in each state, depending on the state’s minimum insurance coverage laws. For example, some states may require you to have a higher amount of property damage or bodily injury coverage than others. If you plan to spend a significant amount of time in more than one state, contact your insurance agent to determine whether you need to purchase two separate policies.

Non-Owner Policies

  • If a teenage driver or other member of your household does not own a vehicle, he may be able to get non-owners’ insurance. Non-owners’ insurance is a secondary type of insurance on a vehicle, in which a driver who does not own the vehicle is covered by a separate policy if the primary policy on the vehicle does not cover him. For example, if your teen drives his best friend’s car and gets into an accident, her non-owner insurance covers her if the owner’s insurance does not cover drivers who do not live in the household. You cannot purchase non-owners’ insurance on vehicles owned by other members of the driver’s household. For example, you cannot purchase non-owners’ insurance on your vehicle to cover your son while he is driving.

DUI Insurance

  • In some states, drivers who have been convicted of a DUI must carry high-risk insurance for several years after their conviction. Drivers who do not comply with this requirement risk losing their license until they comply. If someone in your household has a DUI conviction, he may be excluded from your insurance policy due to the conviction. The DUI offender’s insurance covers him if he drives your vehicle, while your insurance does not.


  • Purchasing more than one policy on the same vehicle can be more expensive than adding a driver to your existing policy. Many insurance companies require you to add all licensed drivers in the household onto your policy, so you may be insuring your spouse or child twice if he maintains a separate policy. If you wish to maintain separate policies, you should use the same insurance company so that you can get a discount for having multiple policies with the same company.

How to Get GEICO Car Insurance Discounts
The Gecko with the Australian accent is certainly a charmer. GEICO car insurance can also charm you into their business by offering great discounts. If you are a GEICO customer you can easily cut your car insurance costs just by making a simple phone call. Here are some steps to get the most discounts.


  1. Switch to automatic debit from your checking account if you are a Bank of America customer. GEICO knocks 3% off your premium.
  2. Take 5 minutes to check to see if you are a member of a Partnering Organization. GEICO has over 275 groups, which they offer discounts to members. Look at the resource section for the link with complete listings.
  3. Note if you are a member of the military. This includes active duty, retired, reserves, and the National Guard. You’ll get 15% off.
  4. Let your customer service agent know you use seatbelts, if this discount isn’t applied yet.
  5. Tell GEICO about any changes in where you park your car. Going from street parking to a garage can lower your premiums.
  6. Take a defensive driving course. If you are over 50, GEICO can take off 5-10% from what you pay.
  7. Sign into and review what other discounts are offered online. Many times it is according to what state you live in.

How to Become an Insurance Agent
A high school diploma and insurance classes are the basic requirements to become an insurance agent. Most companies provide on-the-job training, and you must pass licensing exams from your state and understand the common types of policies, such as health, life, property and liability insurance. A college degree can be helpful, especially for gaining promotions, but a willingness to learn is the basic requirement for a career as an insurance agent.

On-the-Job Training

  • Insurance companies typically teach new hires how to work with clients and how the agencies do business. Often they assign a new agent to work alongside an experienced salesperson as a shadow. Some insurance companies offer formal classes or online instruction for new personnel.

    Internships and co-ops are available for college students and graduates at some insurance companies. The idea is that if these work out well, the companies will then hire the interns as permanent employees.

Meeting Licensing Requirements

  • In most states, you must complete a specific course of study before taking licensing exams. In some states, you take different classes depending on the type of insurance you wish to sell. For example, Georgia requires taking a class on property or accident insurance, while in Pennsylvania, agents must complete 24 hours of general insurance study to become licensed.

    You typically must fulfill additional state requirements, such as a background check and fee payment, before passing exams to receive your license.

The College Advantage

  • A college degree or college coursework, while not mandatory, can improve your prospects for advancement. Classes in business, economics, sales and public speaking are helpful, and provide the skills you’ll need for management jobs.

    Some colleges offer an insurance major within the business department, including classes in liability and property insurance. Classes in the major may also cover risk management, pension planning, policy coverage, pricing and workers’ compensation.

Continuing Education and Certifications

  • Insurance companies typically encourage sales agents to continue their education. For example, companies may provide instruction on new products, coaching on sales methods and Web seminars. Most states also require continuing education for licensing. Qualifying topics may include ethics, consumer protections and insurance policies.

    Optional certifications are available from the American College of Financial Services and The Institutes. The classes required for these certifications may count as continuing education to renew your license.

    Some insurance agents take additional licensing exams to sell securities. These exams are available from the Financial Industry Regulatory Authority, or FINRA.

Desirable Personal Characteristics

  • An outgoing personality, self-confidence and sales skills are essential for a career as an insurance agent. You need the ability to take initiative to contact customers “cold” and convince them to purchase policies. You must be a careful listener to meet customers’ needs, and an able communicator to explain the advantages of different types of policies. Deciding what policy is right for each customer also requires analytical skills.

Prospects and Pay

  • The Bureau of Labor Statistics expects a 10 percent increase in jobs for insurance agents between 2012 and 2022 — about the same as the expected 11 percent increase for all jobs. The BLS notes that additional positions will open up because some agents quit when they can’t meet their earnings expectations.

    Many agents receive at least part of their pay as commissions or bonuses. Agents’ wages averaged $63,730 annually in 2014, according to the BLS.

    The BLS expects the best prospects for insurance agents with superior sales skills who are licensed to sell both insurance and financial products. Fluency in a second language is also a plus.

About Temporary Car Insurance?
Almost all states require some type of car insurance or liability coverage to make sure motorists assume financial responsibility in the case of an accident; temporary car insurance can be purchased on a month-to-month basis as a substitute for long-term car insurance to provide coverage in a variety of situations.


  • Temporary car insurance, also known as short-term car insurance, is a car insurance policy that lasts for less than the standard 6-month or 12-month term of an insurance policy. Temporary car insurance is an attractive option for drivers who know they are only going to be driving their car for a very short period of time. It can also be used to provide coverage for individuals who are not covered on an existing policy, such as a friend, neighbor or family member.


  • Temporary car insurance policies are available both as comprehensive or liability coverage premiums, and they are usually priced much higher than a standard annual policy. Most temporary insurance policies offer coverage in 2-week or 4-week segments and must be renewed within a few days of the end of the coverage period. Insurance companies that offer temporary car insurance include Geico Insurance, Progressive Auto Insurance, State Farm Insurance and American Family Insurance.


  • Some states penalize heavily for drivers who have a lapse in insurance and reprimand those who are caught driving without any insurance coverage at all; temporary car insurance prevents this from happening. Parents can purchase temporary car insurance for their children who may be using the family car for a short period of time. Business associates may purchase temporary car insurance when they are using someone else’s car for an extended business trip. A driver may purchase temporary car insurance to drive a new car purchase home and have not decided what type of coverage they want; in this case, they will have some time to shop around for the best insurance rates or package while still having some type of coverage.


  • Temporary car insurance is not designed to be used as a substitute for a long-term insurance policy; this type of insurance provides all of the benefits of regular car insurance so that there is no lapse in coverage. Some insurance providers offer discounted temporary car insurance programs for current customers, especially for those who are traveling out of state or overseas and plan to drive another vehicle for a short period of time.


  • Temporary car insurance is not cheaper than a standard policy, and it may end up costing you a lot more than an annual policy if you keep renewing your temporary policy. This type of insurance is most suitable for drivers who want don’t want to take any risks associated with driving without car insurance, or simply want to “buy” time while shopping for the best insurance package or rate.

How to Get Cheap Auto Insurance in Florida
There are many different ways to get cheap auto insurance in Florida. Many times you can make a great deal on auto insurance even better. Knowing the minimum requirements and certain tricks about auto insurance in Florida will make this process easy. The steps below will help guide you to find the best deal on cheap auto insurance in Florida.


  1. First, know the basics about Florida Auto Insurance…
    Knowing the basic requirements of Florida auto insurance is crucial. You do not want to buy more than you need or choose the wrong type of policy. Auto insurance in Florida requires 10,000 in PIP and PDL auto insurance at all times.
    The resource section below has a link to an additional Ehow article on the required insurance in Florida.
  2. Next, do an online comparison to find cheap auto insurance in Florida…
    Once you have basic knowledge on what type of company you are looking for you should do an online comparison of cheap auto insurance options in Florida. Think of using a site like Progressive that will allow you to enter your information once and still give you a comparison of several companies. Many times insurance companies will offer better rates online because they know you can easily compare other offers. Once you have narrowed down your selection move on to the next step for additional savings.
  3. Then, look for employee or membership discounts on auto insurance in Florida…
    Now that you have the names of a few auto insurance companies in Florida that fit your budget you can look for additional discounts. Do an online search using the insurance company name and the search term member discounts. You will find there may be some organization discounts. If you are a member of an organization you can take advantage of this. Check with your employer to see if they have a group rate or discount with any of the companies on your list. If you don’t find any contact the auto insurance company directly and ask what discounts they offer. You may find that you are eligible for a discount you were not aware of. This will help make you auto insurance cheaper than expected.
  4. Last, save more on auto insurance in Florida by earning rewards on payments…
    You can use a reward debit card as visa to make your auto insurance payments. Using a debit rewards program will not cost you more because there is not interest or fees involved. This necessary expense will earn you cash back or rewards each time you make a payment. The type of rewards will depend on your debit card reward program.

How to Determine Primary & Secondary Health Insurance Coverage
Having health insurance coverage from a primary and secondary source can reduce or eliminate out of pocket health expenses. Health insurance providers have special rules for families with two or more health insurance policies to follow. According to the Hepatitis C Support Project (HCSP), the rules began in the 1950s when it became more common for both spouses to work outside the home. The Employee Retirement Income Security Act of 1974 initiated a birthday rule to determine primary health insurance coverage for a child with two working parents. Of course, exceptions to the birthday rule make determining primary and secondary health insurance coverage a little more complicated.


  1. Charge your healthcare expenses to your health insurance policy. Your insurance is the primary coverage for you. Your spouse’s health insurance coverage is primary for your spouse. However, if your insurance coverage is through Medicaid or VA, and your spouse has health insurance coverage through an employer, then your spouse’s policy is primary for you as well.
  2. Determine whose birthday comes first when you have two married people with dependents. The child’s doctor will bill the primary health insurance provider of the parent whose birthday falls first in a calendar year. For example, one parent’s birthday is January 21, and the other parent’s birthday is October 14. The January 21 birthday is the primary coverage.
  3. Bill health care costs to the custodial parent’s insurance policy first, when parents are divorced or legally separated. This is a general rule unless court documents specify which parent has primary responsibility for health insurance coverage.
  4. Consider which parent has insurance under a current employer if one is retired. Consider which person has been with the same employer the longest when both birthdays fall on the same day. Coverage under a current employer is primary over COBRA insurance coverage. Otherwise, the coverage that started first is the primary insurance coverage when birthdays are the same.
  5. Send insurance claims to group health providers first. Group insurance coverage is primary over individual plans, Medicaid, and VA coverage.