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An independent insurance agent is a person who is licensed by the department of insurance in the state (or states) where he or she conducts business. Licensure generally involves passing a written examination to show that the person meets minimum standards of knowledge regarding the business of insurance. (more…)

Which types of insurance are sensible, and which should you avoid like the plague? If you start thinking about insurance from the insurance company’s point of view, the picture will become a lot clearer.

Insurance companies want you to see them as your protectors. (more…)

Be on the lookout for unscrupulous insurance agents who will give you wrong and misleading car insurance quotes when you are shopping insurance. Here is how they do it. When they quote your insurance, they will give you every discount under the sun even if you don’t qualify for them. When you get your policy and it has been underwritten by the insurance company, the quote will be adjusted (more…)