Selling automobile insurance, dealing with claims, and maintaining client relationships is not a career that everyone is suited for. To start with, you need to have the right disposition for this type of job if you want to succeed. There is a fine line when it comes to convincing prospective clients that you can offer them the best products and services, and many consumers hate the hard sell. But your job relies on your ability to make sales, at least in the beginning. It’s a strange dichotomy, but if you’re kind, charismatic, patient, funny, honest, and otherwise engaging, you’ll find that you’re well suited to a career in sales, and especially insurance. That said, there are several steps you’ll have to go through if you want to advance your career in this field. Here are some steps to add to your checklist.
- Get a job. Unless you are sponsored by an established insurance provider, it’s going to be extremely difficult to sell car insurance. When you are hired by a company that sells auto insurance (likely along with other types of policies like homeowner, life, and so on), you will have access to the training needed to prepare you for state licensure exams. In truth, you may not be able to enter such programs or take the exam unless you’re sponsored by a company. It’s important, however, to select a company that you are comfortable working for, because you’ll probably have to enter into an agreement that stipulates you will work for them for a set amount of time following your training. After all, they’re investing in you and they want to get their money’s worth.
- Train and pass exams. Once you’ve been hired, you’ll start a training program offered by the company that prepares you for the state examination. You’ll probably have the option of choosing a specific purview, such as auto insurance, or learning about multiple products offered by the company you work for. Some companies only deal in auto insurance while other offer a variety of options for their customers. So if you want to focus solely on auto insurance, you may be able to forego other types of insurance training, although it’s always in your best interest to learn all you can when it comes to your chosen profession. Once you have completed the program you must pass state insurance board exam so that you can earn your license and get to work.
- Man the phones. While you’re in training, which is to say, before you get your license, you will not be legally allowed to give quotes or advice to prospective clients – you will have to refer them to a practicing agent. But this doesn’t mean you can’t network and become familiar with common questions and concerns. By volunteering to work the phones during business hours you’ll have the opportunity to talk to clients and get to know them and scout potential leads, which can only help when you start your own client list.
- Market yourself. Getting licensed doesn’t mean you’ll automatically have customers. While your company will probably provide you with cold-call lists to get started, you’re really going to have to hustle to start selling policies and getting clients on your books. Networking and marketing may therefore be crucial to your ability to succeed in both the short-term and the long run. And whether your face is on a park bench, your name is on the back of a local kids’ soccer club jersey, or you offer your time free to non-profits in the hopes that their individual members might hire you, getting into the community is a good way to move forward.
- Operate commercially. When consumers are looking to compare Arkansas auto insurance quotes, for example, they may get referred to you by one of your clients. But this sort of passive marketing could take quite a while to pay off. So it’s in your best interest to grow in leaps and bounds. Once you have a little money coming in from the personal auto insurance policies you’ve sold, you should look into the possibility of commercial sales, or ensuring corporate fleets of vehicles. These multi-vehicle policies stand to net you a lot more income with very little additional work in most cases, so pursuing such clients is a wise course for your career.