Tag Archive | "insurance"

Kinds Of Auto Insurance For Your Car

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Roads in the US are busier than ever, and more and more people are traveling every day. With all that driving comes more opportunities for accidents, and that’s one reason why you need a good auto insurance policy. Such a policy will protect you from the huge financial liability and accident can leave you with. Although there are many, many choices when it comes to insurance policies, you can find a good low price auto insurance plan by just knowing a few things about the different types of insurance.

In the US, each driver is required to have a minimum amount of insurance coverage usually referred to as liability insurance. This type of coverage pays for damage which results from an accident you are found to be at fault for. The two types of liability coverage, property damage and bodily injury, pay for damage to the other person’s vehicle and injuries to the people in the vehicle, respectively. Liability insurance does not, however, pay for damage to your own vehicle.

Most people find that they need much more coverage than simple liability insurance. That’s where other types of policies come in, such as collision coverage. Collision coverage pays for the cost to repair your car, whether or not you caused the accident. This is great since we all know that repair shops can charge hundreds or thousands of dollars for even simple repairs. Collision coverage is crucial if you still owe money on your car.

Those aren’t the only types of insurance, either. There are literally hundreds of different plans available, from plans which help you if your car breaks down to plans that will pay for rehabilitation and lost work time if you’re injured in an accident. To get started with your insurance search, go online to get insurance quotes from as many different sources as you can.

Selling Insurance | Categories of Insurance

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If you are interested in selling insurance, there are a lot of types of insurance you can pick from.  It might be overwhelming to try to figure out which ones to go into first so here are you options.  If you want, you can start with one and eventually pick up the other lines later on.

Auto Insurance

Selling car insurance is prettying straightforward.  You sit in a retail shopping area and wait for customers to come in.  You are most likely selling other types as well, but marketing mostly car insurance.  The best place to start in this line is at an agency at the mall or another busy shopping center.

Other Consumer Insurance

There are other types of consumer insurance.  Health and life insurance is probably the most familiar.  There is also disability, mortgage, home & content insurance as well.  These are all the types of insurance that individuals and families would get.

The money for these personal lines are a lot better than just car insurance.  Although the money is better, it is also harder to sell.  The main reason is because it is not required by law to have mortgage insurance, for example.  That is, of course, not true for car insurance.

Commercial Insurance

Your best money will come from selling commercial lines.  Under this category there is commercial liability insurance, workers compensation insurance, property insurance and vehicle fleet insurance.

These bring in the most money for several reasons.  First of all, each policy costs more in terms of premiums.  That also means your commission will be higher.

Additionally, you can have less customers.  Each business client will probably buy multiple policies from you.  That will enable you to sell a lot more with less clients.  That’s a bigger bang for your buck and your time.

Also, businesses are more likely to pay their premiums.  This will reduce any chargeback in your commissions.

On top of all of that, as the business grows, they will need more and more insurance coverage.  If you have developed a relationship with a business, you will have a growing income stream from them as time goes on.

The benefits of Short Term Car Insurance

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If you own a car you would know that having car the car insured is mandatory. However if you are looking to borrow a car or purchase a new one and would like to drive it home, there would be a couple of questions that need answers. The new car purchased would not be insured. The car you borrowed would not have you as one of the named drivers on the policy. Under the circumstances the only option left open to you would be to opt for short term car insurance.

Insurance companies issue short term car insurance to people who need it for short durations. The reasons for the requirement may be varied as mentioned above. However the fact remains that driving a car without the required insurance cover is illegal and you could end up in big trouble if you try to do so. Even if you are just driving a newly purchased car, you need short term car insurance for the drive back home. This will ensure that you do not face any problems in the event of any damages to the car en route to your home. You can always choose an insurer for a regular policy before the end of the short term car insurance.

There are many ways to make a purchase a short term car insurance policy. Perhaps the easiest option, which can be accessed from the comfort of your home, is looking for online insurance providers. You will need to browse over the internet for a while but you will definitely be able to make your purchase. Just fill up a small form, make the payment required and the policy will be yours within minutes.

Never take the risk of driving without being insured. The problems, which may come your way, may turn out to be bigger than the small amount you spend for the short term car insurance policy.

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