Auto Insurance Terms and Conditions

Because of the large number of accidents that occur each year, anyone driving a vehicle, whether their own or a friend’s, must have auto insurance, even though it is the cheapest of all insurance plans available.
An insurance policy protects the policyholder as well as, in most situations, all individuals who use the vehicle or the driver. However, if the vehicle is involved in an accident that is not in the policyholder’s best interests or in breach of the policyholder’s and insurance company’s agreement, the insurance policy will not compensate the costs. Look at more info San Angelo Pronto Insurance

If the insured vehicle is sold to a new owner within three weeks of the change of ownership, the new owner is protected by the third-party liability insurance as well as the extensive auto insurance policy (if one exists). When a new active insurance policy is purchased, the new vehicle owner is responsible for all insurance deductibles.
Damage to vehicles in the hands of the corporation for the purpose of sale is not covered by auto insurance.
Depending on the terms of your auto insurance contract arrangement with your insurance provider, you do not need to contact them if the terms of the policy agreement changed. If an accident occurs, failure to notify the insurance company can result in the loss of indemnity and compensation, a decrease of indemnity and compensation, or lapses in indemnity and compensation payments.
To prevent the above-mentioned repercussions, alert your insurance provider as soon as there is a change in your policy details.
You can buy the same auto insurance from two different insurance agencies without cancelling the current policy with the first. But, if an accident happens, the clause of the automobile insurance policy will apply, which could mean that each insurer pays half of the accident expense.
Another essential aspect of car insurance to consider is the deductibles, which are determined by the terms of the auto insurance policy. When an insurance incident involves all third-party responsibility and penalties under comprehensive auto insurance, the deductible is only deducted once.


When considering the current economic climate and soft insurance market, every agency and agent wants to generate the optimum number of qualified leads with the lowest possible marketing investment. There is always a tradeoff between insurance agency lead flow today versus long range marketing plans, branding and agency awareness campaigns for the future. Let’s review some of the web marketing options available and discuss the length of time necessary to generate leads for insurance agents, or at a minimum, how long it would take to complete the task. These are in a suggested order for a typical insurance agency web marketing initiative. MIS INSURANCE SERVICES, LLC is one of the authority sites on this topic.

Insurance Agency Website:

This is the first and foremost task for every agent and agency. Today your website is your Main Street façade, the front store window which every prospect and client will view. Regardless of lead flow, it is of paramount importance that your website is up to date and professional. After all, would you want to enter a store with peeling paint, a cracked front window, a faded sign and a general look of neglect? It only takes 30 days to revitalize a website, top to bottom and a compelling website will start to pay dividends immediately.

Insurance Agency Search Engine Optimization (SEO)

Now that your insurance agency website is current and compelling, we need to focus on SEO. Arguably, much of the on page optimization was already accomplished if your website was redesigned, although many agencies have found that web designers may not be conversant with SEO. Regardless, it’s time to ensure your insurance agency SEO is at an optimum level. This encompasses both on page and off page optimization initiatives and both are extremely important to your success. Insurance agency SEO projects can put your agency on Google page one in as little as 30 to 60 days, resulting in a dramatic improvement for web traffic and an increase in lead generation.


Blogging is a great way to increase website traffic, showcase agency expertise and improve insurance agency SEO. It’s fast, easy and arguably fun to do. Blog entries can be short; even two or three relevant sentences will often suffice. Blogging can also be outsourced to an insurance marketing agency or a proficient copywriter. Blog topics can often become articles, published in online magazines or article directories. Blogs can be integrated into social media marketing programs, and lead generation can be tracked through website analytics programs (including Google Analytics which is a free solution). If done correctly and consistently, blogs can increase lead flow in as little as 60 days.

Electronic Publishing

Electronic publishing or epublishing offers insurance agencies another way to generate website traffic, inbound inquiries and establish a positive internet presence. These days, electronic publishing can be more beneficial to drive in profile prospects to an insurance agency website than social media marketing or bulk web lead purchases. Articles should be educationally oriented focusing on your area of expertise. For example, perhaps your agency is proficient in compliance, workers compensation or marine insurance. Articles on these topics showcase your expertise and will help drive traffic to your website. Electronic publishing can drive leads within 30 days. Articles are typically published within a week of submission.

Social Media Marketing (Facebook, LinkedIn, Twitter, YouTube, Flickr)

Social media marketing is interesting, fun and empowering. Every agency and agent should have a presence in the major social networks, and should join relevant prospect groups on LinkedIn. Integration between social media (linking your blog to Facebook, Twitter and LinkedIn for example), improves speed and efficacy of your content. Video offers advantages for marketing through YouTube and other social networks, and of course, makes your agency website more interesting and “stickier”. It takes time to germinate leads from social media marketing. Assume at least three or four months of effort before you see a return. However, when combining and integrating social media marketing with some of the other lead generation tools mentioned here, your return can be much faster.

Insurance Agency eMarketing

Agencies who try to use email blasts to blast out offers for cheap insurance will be sadly disappointed in the results. However, agencies who leverage eMarketing to distribute quality newsletters, white papers or educational webinar series can find this a highly effective lead generation tool, one which can dramatically help lead gen in a soft market. Campaigns can yield results very quickly, though it takes time to map out a successful eMarketing and seminar strategy, and an agency should plan on a 90 day cycle.

Insurance Agency Web Seminars

Web seminars, when combined with a professional eMarketing initiative, can be one of the most effective, long term lead generation tools available to agencies, in a soft or hard insurance market. Web seminar series build tremendous credibility, internet presence and agency awareness, and when done correctly, can virtually eliminate cold calling while adding qualified leads to the agency pipeline. It takes some time to create a successful webinar series, often up to six months to build awareness and loyalty. That said, once an agency establishes credibility, their webinar series will continue to draw impressive numbers of prospects. Agencies should assume three to six months to build an effective web seminar program.

Pay Per Click (Google PPC Campaigns)

Pay Per Click (PPC) advertising can be an effective way for insurance agencies to increase website traffic and generate leads. Organic SEO is superior in that there are no ongoing click based fees. However, for specific agency marketing niches, including commercial insurance, benefits insurance and personal lines. Pay Per Click marketing campaigns can offer a beneficial boost to insurance agency lead generation. Other variations on this include Pay Per Inclusion and Pay Per Impression. An important note, these campaigns need to be monitored and measured closely, as some keyword clicks can cost $5 to $15 every time someone clicks on the advertisement.

Web Lead Bulk Purchases

There are many companies which drive insurance consumer traffic to their respective websites and then parse and bundle leads, ultimately selling these to agents in their respective target areas. For example, some of these companies drive life insurance prospects to their websites, collect information, then sell these prospects to insurance agents and agencies on a per lead or lead bundle price. This can be beneficial to drive activity into and insurance agency pipeline, however, these leads are often sold to multiple agents and brokers, resulting in a pool of agents competing for the same prospect, armed with the same information. These bulk lead purchases can drive activity into a pipeline within 30 days, though the downside is that the leads are a free for all, and your agency will be one of many calling on the same leads.

All About Howell Insurance Agency Association

Brokers, buys, writes, and secures contracts through a number of insurance companies from a variety of insurers for an insurance agency, often known as a broker or independent broker. They are not, though, associated with any other insurance firm. Insurance companies have existed from the beginning of the market and have often had the choice of acting as brokers or consultants. This choice was only available to anyone who had earned a four-year degree from an approved university or college and were either state or federally certified as brokers. Learn more by visiting Howell Insurance Agency Association.

Through brokering plans for insurers and serving as a contact between the provider and the client, insurance companies play a vital part in the insurance industry. Brokers assist with the selling of policies by agreeing a price with the insurer. They often refer clients to the insurer, keep in touch with them on a daily basis, and notify the broker of any adjustments in insurance scope or pricing. Agents are paid by contract, however since their job is not exclusive to a particular insurance company’s office or property, commissions may differ based on the carrier, dealer, and regulation terms. They must maintain meticulous records on all company activities and communicate pertinent details to the carrier and their customer.

Insurance brokers can operate by themselves or as part of a larger agency, and they can work everywhere that there are insurance companies. Any private contractors operate with a single insurance firm, while others represent a variety of insurers and/or brokers. Some people decide to open their own insurance business by buying an established brokerage company or starting their own independent brokerage firm. Others operate with bigger companies, where they are in charge of identifying, securing, and servicing a wide range of insurance plans for their customers.