Tips for Selling Car Insurance
Insurance agent jobs are expected to grow 10% by 2028 and are the 11th highest paying job with no college degree. These tips for selling car insurance can help you become more successful.
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UPDATED: May 19, 2022
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- Car insurance is not just a necessity, it is a requirement by law
- Be honest about your products and place yourself in the buyer’s position
- Sell people only the amount of insurance that they actually need
- Your success will depend on how you represent your products and how you treat your clients
Wondering how to sell car insurance effectively? If you’re looking to learn how to sell auto insurance efficiently and effectively, the most important step is to think like a buyer before you try to sell car insurance. They want the best car insurance discounts and they want to trust you to provide them.
Forget everything people say about insurance salesmen. Change the way people think by changing your sales tactics. Let’s go over some tips for selling car insurance to learn how to be successful in selling in the auto insurance industry.
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Think Like the Customer When Selling Car Insurance
How can you sell more car insurance? Always put yourself in the shoes of your client when you sell car insurance. Be the reason people choose to rate the customer service of your car insurance company and give you top marks.
People may be scared of spending too much money on car insurance or they may be fearful of not buying enough coverage.
Remember these tips for selling a car insurance policy:
- Talk to your potential buyer and find out what they need, what they want, and what their budget is
- Every client will be different and will need to have their insurance needs analyzed individually
- Explain all of the insurance options available and each of their benefits to your client
- Review all of the potential car insurance premium discounts and savings available to your client and help lower car insurance rates
- Once you make contact with a client, stay in touch so you can make sure their insurance needs are still being met
- Be reasonable if the client wants a car insurance refund you were selling
- Before selling car insurance for a lapse of coverage, make sure you will not be committing car insurance fraud by backdating claims or coverage dates
- Be honest and show care for people you speak to
- Only sell what the customer needs
The internet makes car insurance shopping easy. Get familiar with online quoting systems before you start to sell car insurance.
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Be an Honest Salesperson When You Sell Car Insurance
No one wants to feel like they are being taken advantage of, and unless you are completely honest with your clients, they may not feel secure with what you are selling.
In order to be successful, you need people to feel confident in you and your honesty so that they remain your clients for life.
When you have a client who trusts you, you will have future clients who trust you as well.
Word of Mouth Marketing (WOMM) can be your best advertising when it comes to car insurance products.
Only Sell Necessary Car Insurance
Be attentive to what your clients truly need. If you sell the wrong insurance products to someone, or if you sell car insurance that is excessive for what a person needs, then you will probably not be successful. Don’t start selling insurance for a test drive a customer wants to purchase unless it’s necessary, for instance.
Start by selling the basic package and the recommended coverage your client really needs.
- If someone has roadside assistance for free with his extended warranty coverage, then don’t sell them emergency towing insurance
- If someone’s car has a street value of $500, you may want to reconsider selling them different types of insurance such as comprehensive or collision insurance
Having a higher coverage limit than what the state mandates, which is posted below from the Insurance Information Institute (III), is usually good sense for anyone with a car.
|State||Minimum required car liability insurance type||Minimum liability car insurance required limits|
|AL||BI & PD Liab||25/50/25|
|AK||BI & PD Liab||50/100/25|
|AZ||BI & PD Liab||15/30/10|
|AR||BI & PD Liab, PIP||25/50/25|
|CA||BI & PD Liab||15/30/5|
|CO||BI & PD Liab||25/50/15|
|CT||BI & PD Liab, UM, UIM||25/50/20|
|DE||BI & PD Liab, PIP||25/50/10|
|DC||BI & PD Liab, UM||25/50/10|
|FL||PD Liab, PIP||10/20/10|
|GA||BI & PD Liab||25/50/25|
|HI||BI & PD Liab, PIP||20/40/10|
|ID||BI & PD Liab||25/50/15|
|IL||BI & PD Liab, UM, UIM||25/50/20|
|IN||BI & PD Liab||25/50/25|
|IA||BI & PD Liab||20/40/15|
|KS||BI & PD Liab, PIP||25/50/25|
|KY||BI & PD Liab, PIP, UM, UIM||25/50/25|
|LA||BI & PD Liab||15/30/25|
|ME||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|MD||BI & PD Liab, PIP, UM, UIM||30/60/15|
|MA||BI & PD Liab, PIP||20/40/5|
|MI||BI & PD Liab, PIP||20/40/10|
|MN||BI & PD Liab, PIP, UM, UIM||30/60/10|
|MS||BI & PD Liab||25/50/25|
|MO||BI & PD Liab, UM||25/50/25|
|MT||BI & PD Liab||25/50/20|
|NE||BI & PD Liab, UM, UIM||25/50/25|
|NV||BI & PD Liab||25/50/20|
|NJ||BI & PD Liab, PIP, UM, UIM||15/30/5|
|NM||BI & PD Liab||25/50/10|
|NY||BI & PD Liab, PIP, UM, UIM||25/50/10|
|NC||BI & PD Liab, UM, UIM||30/60/25|
|ND||BI & PD Liab, PIP, UM, UIM||25/50/25|
|OH||BI & PD Liab||25/50/25|
|OK||BI & PD Liab||25/50/25|
|OR||BI & PD Liab, PIP, UM, UIM||25/50/20|
|PA||BI & PD Liab, PIP||15/30/5|
|RI||BI & PD Liab||25/50/25|
|SC||BI & PD Liab, UM, UIM||25/50/25|
|SD||BI & PD Liab, UM, UIM||25/50/25|
|TN||BI & PD Liab||25/50/15|
|TX||BI & PD Liab, PIP||30/60/25|
|UT||BI & PD Liab, PIP||25/65/15|
|VT||BI & PD Liab, UM, UIM||25/50/10|
|VA||BI & PD Liab, UM, UIM||25/50/20|
|WA||BI & PD Liab||25/50/10|
|WV||BI & PD Liab, UM, UIM||25/50/25|
|WI||BI & PD Liab, UM, Medpay||25/50/10|
|WY||BI & PD Liab||25/50/20|
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Of course, you need to sell the right amount of car insurance to your client so that he is properly protected.
Frequently Asked Questions
There are always a few more questions floating out there, so we’ve added a few below about how to sell insurance.
What’s the typical salary for selling car insurance?
U.S. News reports the average salary for an insurance agent in this country is $50,600, and it’s actually the 11th highest paying job without a degree. Jobs selling car insurance can be pretty lucrative.
Study.com points out that each state has its own requirements for becoming an insurance agent. For you to be legally able to sell car insurance, a license is needed. You may even be able to get a job selling car insurance from home. If you’re thinking of becoming an agent, check out some reviews for selling car insurance and see if it’s for you.
The job outlook is pretty solid, according to the Bureau of Labor Statistics. They predict a job increase of 10% between 2018 and 2028.
How can you sell car insurance over the phone?
What is it like selling car insurance from home? If you do get one of those work-from-home jobs, you should make your space organized and set aside a specific time in your day to work. Build rapport with your customer and listen to what they’re saying. It may help you be more successful to use a cold-calling script when you reach out to new leads.
What are some car insurance sales pitch examples?
Rather than getting some examples, you may want to just learn the formula and apply it to your specific situation because naturally what you’ll need will be different than the needs of others.
You can work in the specifics about the kind of car insurance you’re selling into your conversations, and draft your own open-ended questions for the sort of car insurance your customers are looking for.
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