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The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.
Insurance agents, often referred to as “captive” agents, typically represent one insurance company. Insurance brokers, on the other hand, represent multiple insurance companies to ensure that you are connected with the right insurance for you. An agent acts as a conduit to provide information to insurance buyers. The insurance buyer then has the option to choose from available policies and contracts from the insurer offered through the agent. These policies and contracts are decided through contractual agreements that the insurance agents have with the insurers to meet certain guidelines.
If you have a persuasive personality, a strong aptitude for working with numbers and a desire to help others, you might enjoy a career as an insurance salesperson. Your options include a path as an insurance broker or insurance agent. While both occupations involve the sale of insurance policies, there are also some important differences to consider.
Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PSIA's commission. Discounts not available in all states and situations.
Insurance On The Spot Company
Once licensed, an insurance broker generally must take continuing education courses when their licenses reach a renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the National Association of Insurance Commissioners. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.
OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards and assist in establishing injury and illness prevention programs.
There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change, The National Organization of Life and Health Agents (NOLHA), the Independent Insurance Agents & Brokers of America (The Big "I"), and the National Association of Professional Insurance Agents (PIA).
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