A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.

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Virtually every state mandates that insurance agents and brokers meet licensing requirements, which normally entails the successful completion of a written examination. Prelicensing educational requirements may also apply, which can vary depending on the state and license type. Separate licenses are necessary for each line of insurance, including Life and Health and Property and Casualty. In addition, agents and brokers may have to meet ongoing continuing education requirements to maintain their licenses.

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Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.
Independent agencies including A.M. Best, Standard & Poor’s, and Moody’s provide ratings on the financial strength of insurance companies. These agencies asses the ability of an insurance company to remain solvent in the event of major crisis or difficult economic times. While companies of such status seem invulnerable to failure, not even they have limitless funds. One notable example: American International Group (AIG) needed a government bailout during the 2008 recession. While many circumstances can influence the financial state of these corporations, their agency ratings are a valuable metric. A good rating is confirmation that an insurer can back your claim when it matters most.
Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.

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Insurance brokers are professionals in the insurance industry who sell, solicit, and negotiate insurance for a living. They are regulated by the state and must meet certain licensing requirements to do business in their state. Insurance brokers are professional advisers, representing and working on behalf of their clients. Brokers help clients understand their risks and advise them on which assets merit insurance and which do not. Insurance brokers may have industry specializations as well. Keep in mind that insurance brokers are not actual insurers; they are the liaisons between the insurance companies and clients and work on the client’s behalf.
Needs it helps meet: Universal life insurance is most often used as part of a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another common use is long term income replacement, where the need extends beyond working years. Some universal life insurance product designs focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage.

Insurance brokers play a significant role in helping companies and individuals procure property and casualty (liability) insurance, life insurance and annuities, and accident and health insurance. For example, research shows that brokers play a significant role in helping small employers find health insurance, particularly in more competitive markets. Average small group commissions range from two percent to eight percent of premiums. Brokers provide services beyond procuring insurance, such as providing risk assessments, insurance consulting services, insurance-related regulatory and legislative updates, claims assistance services, assisting with employee enrollment, and helping to resolve benefit issues.[3] However, some states consider the provision of services that are unrelated to the insurance procured through the broker to be an impermissible rebate or inducement.
Amica consistently ranks among the top homeowners carriers by J.D. Power and Consumer Reports, due to its sky-high customer satisfaction with the all-important claims process (settlement, estimation, and repair). This is arguably the most essential element of good customer service in the industry. Amica was the only one of our top providers that received a five out of five in every category from J.D. Power. Amica also received a Consumer Reports reader score of 94 — two points better than USAA, the gold standard in insurance. None of our other finalists came anywhere close. With excellent scores across the board, you can expect timely and helpful interactions with Amica representatives.

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On top of traditional price cuts, Amica offers policyholders the chance to actually make money through their house insurance. Because it’s a mutual company, Amica is member-owned, not investor-owned, and pays dividends to policyholders, not stockholders. If you opt for a dividends policy, and the company does exceptionally well financially at the end of any given term, you stand to receive a payback between 5-20% of your annual premium.


The broker is supposed to represent his clients' best interests. Part of the broker's duty is to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget. Choosing the right insurance plan is quite complicated, and studies show that many people end up choosing a less than optimal plan when they solely rely on their own judgment.
Any of our top homeowners insurance picks could potentially be the cheapest for you. Most annual premiums for homeowners insurance range from $600 to $2,000 ($50 to $170 monthly) — the range is so vast because rates are influenced by numerous, and highly personal, circumstances. Is your home old or new? Is it framed with brick or wood? Is it in a busy city or a rural area? Is there a high risk of natural disasters such as hurricanes, floods, or tornadoes? Are you bundling your policy with other types of insurance, such as auto or life? Those are only a few of the circumstances that can affect your quote.
Allstate also offers the most discounts of all the companies on our list — 11 total. These include standard discounts like hosting smoke alarms, fire extinguishers, or deadbolt locks, as well as unique offers, like one for signing up before your current policy expires. First-time customer with Allstate? You’ll get another price slash for your first two years with the company.
The cheapest car insurance, period, will likely be the minimum coverage required in your state. In most states this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.

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An agent or broker is a person or business who can help you apply for help paying for coverage and enroll in a Qualified Health Plan (QHP) through the Marketplace. They can make specific recommendations about which plan you should enroll in. They’re also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into an issuer's plans. Some brokers may only be able to sell plans from specific health insurers.
After insurance has been selected and purchased, most insurance brokers will continue to provide service to their clients. This includes advising clients on technical issues that may be helpful in the event that a client has to file a claim, helping clients decide if they should change their insurance policies or coverage, and even making sure that clients comply with their policy’s requirements.

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Insurance brokers perform a plethora of duties for individuals and businesses in search of the right insurance for them. When you contact an insurance broker for a quote, he will acquire some information and assess your individual needs. An insurance broker will compare the coverage of various insurers to get you the best conditions and rates. A broker will also search for opportunities to combine different types of insurances to obtain discounts or reduce premiums. As brokers do not work for the insurance companies, their recommendations are unbiased and in favor of the insurance buyer.


Customers claim that Progressive offers reasonable prices and attentive representatives. Our own experiences with Progressive were bolstered by its well-designed online quote tool. Like many insurance companies, Progressive relies on third-party underwriters, and most that do so automatically pair you with a single underwriter in order to produce a quote. Progressive furnishes quotes from several of its underwriting partners and allows you to choose the one that best suits you. This gives you the power to prioritize coverage and price.

Base commission is the “normal” commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies. 

Don't forget to ask about the optional protection of a personal umbrella liability policy. Umbrella Coverage from $1,000,000 for individuals wanting higher liability protection. Most home and auto insurance policies stop at $500,000 liability coverage. A personal umbrella policy provides coverage on top of basic auto and home insurance: $1,000,000 to $10,000,000 available.
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.

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If you own a car, car insurance is a required expense in 48 of the 50 states. A lack of diligence when shopping for your car insurance could lead to a hefty monthly bill, as well as headaches if you actually need to file a claim. We researched and explored quotes from over 128 companies in 2,700 cities to determine which insurers had the lowest costs, nationally and in each state. Our team also evaluated which companies had the best track record for customer service and the claims process.
To sell insurance products on behalf of a particular insurer, an agency must have an appointment with that insurer. An appointment is a contractual agreement that outlines the specific products the agency may sell. It also specifies the commissions the insurer will pay for each product. The contract usually describes the agency's binding authority, meaning its authority to initiate a policy on the insurer’s behalf. The agent may have permission to bind some types of coverage but not others.
Internationally known financial adviser Suze Orman strongly believes that if you want insurance, buy term; if you want an investment, buy an investment, not insurance. Don't mix the two. Unless you're a very savvy investor and understand all the implications of the various types of life insurance policies, you most likely should purchase term life insurance.
J.D. Power’s annual U.S. Household Insurance Study and Consumer Reports’ customer experience survey measure communication, price satisfaction, claims process, and timely reimbursement. From J.D. Power, we required companies to have a score of 3/5 or better, and at least an 80/100 Reader Score from Consumer Reports. High scores reflect a company’s ability to handle claims and communication kindly, effectively, and without frustration.

Allstate earns its spot on our list by having the most discounts. Whether you want a price break for bundling, setting up automatic premium payments, or securing your home with burglar alarms and fire extinguishers, you can find a discount from Allstate. Unlike other providers, Allstate also has a “welcome” discount that lasts for your first two years, plus a discount for early shoppers who sign up before their current policy expires.


It's difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

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The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, Farmers will reimburse 100% of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.

Life insurance is designed to provide families with financial security in the event of the death of a spouse or parent. Life insurance protection can help pay off mortgages, help provide a college education, help to fund retirement, help provide charitable bequests, and, of course, help in estate planning. In short, if others depend on your income for support, you should strongly consider life insurance.
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3. Life insurance is surprisingly affordable for most people. Sure, there are forms of life insurance that get pricier the more features you add on to it, and the price goes up if you’re a smoker or dealing with health problems. But most people think life insurance costs about three times as much as it really does, according to the Insurance Barometer Study by Life Happens and LIMRA. Just as a general guide, a healthy nonsmoking 30-year-old man can get a $250,000 20-year level term policy for about $16 a month.
Owning a home is an accomplishment and an asset, one that deserves safeguarding. The best homeowners insurance providers offer financial strength, coverage options, and great customer service. It also comes at a great price for your unique circumstances. Use our quote tool to compare rates from several providers and find which offers you the best coverage for the best price.

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The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group will contact you to provide requested information.

“It’s not anybody else’s responsibility to help you reach the next level. It’s your responsibility,” she told the audience. “It’s important for you to find the right mentor to help guide you along the way – and there are lots of us out there who want to help you become a superstar - but you have to be willing to go the extra mile to make sure you stand out from the crowd.


Alongside State Farm and Allstate, Progressive earned a 3/5 from J.D. Power. One of the most popular praises for Progressive comes down to reasonable prices, and this is bolstered by the company’s unique quote process. The attentive online quote tool pairs you with several of Progressive’s underwriting partners and their policy options, meaning that while most insurance companies generate a single quote, Progressive offers multiple, and allows you to shop for the coverage and price that works best for you.
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A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.

3 Assumes the average cost of a gallon of gasoline is $2.37**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.


The benefit to you is enormous. Boomer Benefits provides back-end policy support that you cannot get directly from an insurance company and that none of our competitors offer: a dedicated Client Service Team for our existing policyholders only with 10 full-time employees on call to immediately fix very common Medicare hiccups which are otherwise stressful for you.
Also known as AARP, The Hartford was the recipient of the 2016 J.D. Power study for car insurance companies ability to handle claims. The Hartford scored 5/5 stars for nearly every step of the claims process; from notifying them, to the repair process, and the final settlement. Those who think a smooth claims process is the most important factor for car insurance, The Hartford should definitely be considered.
Dwelling Coverage – Helps protects your home and the structures directly attached to it. This can include coverage for electrical wiring, plumbing, heating and air conditioning as well as larger structures like staircases and walls. Tip: Choose the right amount of coverage – enough to cover the cost to rebuild your house in the case of a total loss.
Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

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Alongside State Farm and Allstate, Progressive earned a 3/5 from J.D. Power. One of the most popular praises for Progressive comes down to reasonable prices, and this is bolstered by the company’s unique quote process. The attentive online quote tool pairs you with several of Progressive’s underwriting partners and their policy options, meaning that while most insurance companies generate a single quote, Progressive offers multiple, and allows you to shop for the coverage and price that works best for you.
Agents only need to know the products of one company, which can simplify the learning curve. This can also make it easier to keep policyholders abreast of policy changes and provide better service in general after the policy is sold, helping to foster a closer ongoing relationship. Because brokers must know the products and services offered by numerous companies, staying current and providing clients with reliable product knowledge can prove challenging. 

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By raising the amount you’ll pay out of pocket before your insurance kicks in, you’ll lower your premiums (monthly/yearly payments). You can save as much as 25% by raising your deductible to $1,000. This can be a risky choice, though, and should be considered carefully — it’s important that you don’t raise your deductible so high that you can’t afford to pay it when something goes wrong. If you live in a disaster-prone area or have trouble saving, keeping a low deductible and investing in protection on a monthly basis is the safer choice.

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When it comes to saving on your investment, State Farm does offer discounts, but they’re standard and fairly limited. Home additions like sprinklers, fire extinguishers, and alarms will get you a price break. But if you’re a new homeowner or recently renovated, it might pay to shop elsewhere. You won’t have any luck with discounts for enrolling in autopay, being retired, or sticking with State Farm for the long term.

The broker is supposed to represent his clients' best interests. Part of the broker's duty is to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget. Choosing the right insurance plan is quite complicated, and studies show that many people end up choosing a less than optimal plan when they solely rely on their own judgment.

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You will find independent insurance agents represent many of the same insurance companies offered by local insurance agents.  The biggest benefit is the time savings individuals and business will find.  Because the selection of insurance companies for personal, commercial and life insurance is so comprehensive you don't have to contact several agents for quotes.  An independent insurance agent may represent 5 to 10 insurance companies.  
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Every homeowners insurance policy has a liability limit, which determines the amount of coverage that the insured has should an unfortunate incident occur. The standard limits are usually set at $100,000, but the policyholder can opt for a higher limit. In the event that a claim is made, the liability limit stipulates the percentage of the coverage amount that would go toward replacing or repairing damage to the property structures, personal belongings, and costs to live somewhere else while the property is worked on.

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Owning a home is an accomplishment and an asset, one that deserves safeguarding. The best homeowners insurance providers offer financial strength, coverage options, and great customer service. It also comes at a great price for your unique circumstances. Use our quote tool to compare rates from several providers and find which offers you the best coverage for the best price.
For freestanding, single-family dwellings, the chief difference in policy types is between named perils, which covers only the specific risks named in the policy, and open perils, which does the opposite. Open peril policies may not be right for everyone, but they are the most popular homeowners policy in the U.S., so we required that providers offer them.
Because brokers work with a variety of insurance companies, they tend to have a broader understanding of companies’ offerings and key benefits. They are commission-based, which is a double-edged sword: they may be more motivated to earn your business year after year by getting you the best deal possible; or they may try to sell you a policy with unnecessary bells and whistles since that would pay them a higher commission. Regarding the double-edged sword: the best way to nail down the best deal possible is the annual review and re-shopping of coverage. The best way to avoid unnecessary “bells and whistles” is to remember that your needs guide what you purchase. If you don’t need “bells and whistles”, don’t purchase them. Approaching insurance this way is always the best way forward. Consider this: having options placed in front of you and explained in detail allows you the opportunity to hear about the newest “bells and whistles,” some of which may be just what you need or were looking for, but simply never asked about. Policies change, and new options are added by carriers all the time.
However, not all homeowners insurance policies are the same. The Hartford is the only home insurance company endorsed by AARP. With our flexible options, savings and expert service, you’ll know that your home is getting the best protection possible. Get a homeowners insurance quote today and start saving your money and securing your home with The Hartford.
Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed2 for a variety of purposes while you’re still alive.

7 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
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Keep in mind, not all insurance companies use agents. You can do business directly with many companies by purchasing coverage online. These policies may be less expensive since the company doesn't have to pay the agent's commission. Regardless of how you buy the policy, make sure the company is licensed in your state, is financially stable and check to see if they have complaints.


It's difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

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A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.

As with most good insurance companies, you can get a quote from State Farm online. But State Farm’s process involves extra-detailed questions about the construction of your home, down to the percentage of carpet-covered floors and the number of corners in your home’s framing. We recommend arming yourself with floor plans, your insurance history, a home inventory, and specific details of your home’s construction so there won’t be any surprises when it's time to sign a policy contract. The upside is that all of these details provide you with an accurate quote and an exceptionally well-fitted policy.
Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "
Whether you own a home already or you’re house-hunting, it’s wise to know average home insurance rates for your state so you can anticipate what your expense is when shopping your policy and creating a family budget. Knowing what you can expect to pay also helps you save money when comparing rates because you can more easily flag rates that are above the average home insurance cost for your area.

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