How can I become an independent insurance agent for car and life insurance?

Question

I know I need licenses, clients etc but can someone tell me how can I get a system or something to give people quotes? I don't want to work for any insurance company. I want to quote insurance from multiple sources how do I do that?

Answer 1

You can work independently and put your business through a general agency. They will do all the work for your (quote products and process the paperwork), then they will pay you the commission. In most cases you will make the same commission whether you go direct or work through a general agency.

Answer 2

It is next to impossible to start your own agency without having a lot of insurance experience.  There are regulations that are hard for long time agents to stay in compliance with.  You couldn't possibly know all of them and keep out of trouble with your state's commissioners office.

Go to work for an independent agent in your area.  Learn the ropes of writing and servicing policies.  If you really like the business, learn your state's regulations regarding the operation of an agency.  By then, you will have a good idea of the fixtures, equipment and so many other things that you will need to open your own agency.  

Another option is to purchase and existing agency.

Answer 3

Sign up for an independent marketing organization.

Answer 4

You will have to meet with different general brokers and become licensed to sell their products. You will need a separate license for each line. You will need a computer and load the software to be able to quote. Or, you can go to work for an independent broker and use his resources. Good luck to you. If you are really interested in doing this, call some of the large independent brokers in your area and ask for an interview. They are always looking for producers.

Answer 5

Well, simply put, you need a location, at least 1 year of operating money, P/C license, Business License, good computer, printer (with scanner preferred), filing cabinets, among others. Some good software to use that provides rates for multiple companies is call Accu-Auto. Apart from that, you definitely need some elbow grease (lol).