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Insurance agents, who may also be referred to as insurance sales agents, help customers to search and select individual insurance policies that fit their specific needs. Clients encompass single individuals and families or businesses. Captive agents work for one insurance company, and will only offer and sell that company's coverage. Independent insurance agents, or brokers, offer several different companies plans. There are quite a few types of insurance out there such as property and casualty, long term care insurance, disability, life, and health insurance.

The insurance industry is a large part of the U.S. economy. In 2008, policy premiums alone exceeded $1 trillion dollars. Also as one of the biggest employers in the United States over three million people work in the insurance industry. And despite the current economic state, insurance companies continue to hire as demand is still high.



Federal law requires insurance agents to be legally licensed in the state in which they will be operating. They also need to obtain separate licenses to sell life and health insurance or property and casualty insurance. Many states require agents to complete pre-licensing courses and pass state examinations. Each exam can include questions about state insurance laws and insurance principles. Most states require agents to complete pre-licensing course-work prior to taking the licensing examination.

In every state owners of motor vehicles must have minimum coverage which is required by law. But most times the minimum may not be enough. That's when agents advise their clients to go for a more complete coverage which will take care of high priced medical fees incurred. Although quotes and comparison of rates are available online, you should know what specifics to compare and have knowledge about the aspects which make up a great policy and the coverage you need. And on top of what is ordered by law, agents will guide their clients to get comprehensive or collision policy and also injury policy for uninsured or under insured drivers.

Industry professionals expect auto insurance rates to climb in 2015. Getting/comparing instant online quotes is the best course for saving the most on coverage over the coming year. This is true regardless of where you live.






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