Get Hired: Auto Insurance Job Hunting Tips

If you're looking to start a career in auto insurance, there are a few steps you can take to get started. Firstly, it's important to identify your career goals and decide whether you want to work directly with customers or prefer a behind-the-scenes role in risk analysis and underwriting. Transferable skills, such as problem-solving and customer service experience, are advantageous when entering the insurance sector. Building a network and creating connections within the industry is also beneficial, as word-of-mouth is a powerful advertising tool. Obtaining an insurance license is crucial, as it is required by most agencies to sell or market insurance. Additionally, researching potential employers, creating a tailored resume, and applying for jobs are essential steps in landing your dream job in auto insurance.

Getting an insurance license

Step 1: Choose Your Insurance Line of Authority

First, decide which types of insurance policies you want to sell. This is important because your choice will determine the type of license you'll need to obtain. For example, if you want to sell auto or home insurance, you'll need a Property and Casualty license. On the other hand, if you're interested in selling life insurance or Medicare products, you'll need a different type of license. Most insurance agents opt for either Property and Casualty or Health and Life licenses as they offer a wider range of products. It's generally recommended to stick to one insurance line when starting, as the licensing process is challenging, and there's little benefit to learning two lines simultaneously.

Step 2: Complete a Pre-Licensing Education Course

While this step is mandatory in some states, it is highly encouraged for all aspiring insurance agents. Enrolling in an insurance licensing course will help you prepare for and pass your state's licensing exam. These courses typically cover the knowledge and skills necessary for a successful career as an insurance agent. The number of hours required for pre-licensing education varies by state, and you may need to present a completion certificate when you take the licensing exam.

Step 3: Pass the Relevant State Insurance Exam

After completing your pre-licensing education, you'll need to pass the state insurance exam for your chosen line of authority. The exam usually consists of two parts: one on general insurance and the other on state-specific knowledge. The exam typically includes 50-200 scored questions and has a duration of 2-3 hours. A passing score is generally around 70%, but this may vary depending on the state. It's important to note that your exam score may only be valid for a limited period, after which you'll need to retake the exam.

Step 4: Complete a Fingerprint and Background Check

In almost all states, you'll need to submit your fingerprints for a state and federal background check as part of the licensing process. This process ensures that you're fit to serve as an insurance agent according to your state's laws. The background check cost is typically between $25 and $50. While certain felonies may bar you from licensure, having a criminal record doesn't necessarily exclude you from becoming an insurance agent, depending on the state. It's important to be upfront about any criminal history during the licensing process.

Step 5: Submit Your Insurance License Application

The final step is to submit your insurance license application, usually through the National Insurance Producer Registry (NIPR). This step may also involve paying a filing fee, which can range from $20 to $150, depending on your state and the lines of authority you're applying for. The processing time for applications can vary from a few weeks to a few months, and you'll receive your license number and National Producer Number (NPN) once your application is approved. Keep in mind that your employer will ask for these details when applying for insurance industry jobs.

Additional Considerations:

It's important to note that the steps and their order may vary slightly depending on your state's specific regulations. Additionally, each state has its own requirements for continuing education to maintain or renew your license. It's also a good idea to research the agencies you want to work for, as they may have specific requirements or processes for licensing.

Building a network

Identify Your Existing Network

You may already know many people who can help you with your job search. Make a list of your family members, friends, neighbours, co-workers, colleagues, and even casual acquaintances. Think about people you've met through your close connections, such as your friend's boss or your parent's friends. Don't forget to include professionals you interact with, like your doctor, accountant, or yoga instructor.

Reach Out to Your Network

Once you've made a list of your connections, start contacting them. Let them know you're looking for a job in the auto insurance industry and ask if they have any information or connections in that field. Be specific about the type of role you're seeking. You can also start with your references, keeping them informed about your job search progress and asking for their assistance.

Focus on Building Relationships

Networking is about building genuine connections, not just collecting contacts. Be authentic and considerate in your interactions. Ask for advice or insights instead of directly asking for a job. Show a genuine interest in forming meaningful connections and practice active listening. Be prepared to articulate what you're looking for, whether it's a referral, industry insights, or an introduction.

Attend Industry Events

Networking in person can be valuable, so consider attending industry-specific conventions, job fairs, and business-hosted social events. These events provide opportunities to meet new people, exchange business cards, and learn about the industry. If you want to transition to a new field, ask someone in that field if you can attend an event with them.

Utilize Social Networks and Online Resources

While face-to-face networking is ideal, using social media and online platforms can help reinforce relationships and expand your network. Create a professional online profile to increase your visibility and connect with others in the auto insurance industry.

Follow Up

Following up is crucial to maintaining your network. After making initial contact, send a thank-you note or an article relevant to your conversation. Stay in touch by sending updates about your job search progress and asking for advice or insights. This keeps you top of mind, and your contacts may think of you when they hear of relevant opportunities.

Transferring your current experience and skills to insurance

When it comes to getting a job in the insurance sector, you can transfer your current experience and skills to insurance. Any type of problem-solving or customer service experience you have gained in past internships or employment positions is beneficial in the insurance industry. For example, if you have worked in sales, customer service, or a role that required strong interpersonal skills, you can leverage that experience when applying for insurance jobs.

Additionally, other beneficial experience includes work related to fraud and theft prevention, ethics, and compliance. If you have a background in these areas, you can highlight this when applying for insurance positions. Keep in mind that insurance professionals need to have good customer service skills and high levels of emotional intelligence. So, if you have experience in customer-facing roles or jobs that required emotional intelligence, you can showcase those skills when transitioning into the insurance field.

Furthermore, if you have worked in a role that involved data analysis or risk assessment, these skills can be easily transferred to the insurance sector. Many insurance jobs require analytical skills to assess risks, determine coverage, and set premiums. So, if you have a background in data analysis or risk management, you can emphasize this when applying for insurance positions.

It is also worth mentioning that if you have experience in a role that required strong communication skills and attention to detail, you can transfer those skills to the insurance industry. Insurance professionals need to have clear and effective communication skills when dealing with customers, explaining policies, and handling claims. Therefore, if you have experience in communication-heavy roles or jobs that required a keen eye for detail, you can highlight these transferable skills when applying for insurance jobs.

Overall, when transferring your current experience and skills to the insurance sector, focus on highlighting any customer service, problem-solving, analytical, and communication skills you have gained in your previous roles. These transferable skills will be valuable as you pursue a career in insurance.

Identifying a career goal in the insurance sector

Understand the Insurance Landscape

Firstly, gain a comprehensive understanding of the insurance industry. Recognize that insurance goes beyond home and auto insurance. Explore the various sectors within insurance, such as life insurance and health insurance. Understand the different roles available, from customer-facing positions like insurance agents and customer service representatives to behind-the-scenes roles like risk analysts and underwriters.

Assess Your Skills and Interests

Take time to introspect and assess your skills, strengths, and interests. Do you enjoy interacting with customers and building relationships, or do you prefer analytical tasks and risk analysis? Are you good at problem-solving and communication, or do you lean more towards organization and attention to detail? Being honest about your skills and interests will help you identify roles that align with your natural talents and passions.

Set Short-Term and Long-Term Goals

Think about your short-term and long-term career aspirations. Do you want to start in an entry-level position and work your way up, or are you aiming for a specific senior role? Are you interested in working directly for an insurance company, or would you prefer to be an independent agent? Setting clear goals will give you a sense of direction and help you create a roadmap for your career path.

Research and Network

Research different insurance companies and their unique offerings. Learn about their culture, values, and the types of roles they offer. Networking is a powerful tool in the insurance industry. Attend industry events, join professional organizations, and connect with professionals in your desired field. Building a solid network can provide insights, mentorship, and even job opportunities.

Transferable Skills and Experience

Consider any transferable skills or experience you have that can be leveraged in the insurance industry. Previous internships, employment positions, or volunteer work in customer service, problem-solving, fraud prevention, ethics, or compliance can be valuable assets when transitioning into the insurance sector.

Education and Certifications

Finally, understand the educational requirements and certifications needed for your desired role. While some entry-level positions may only require a high school diploma, more advanced positions often call for a bachelor's or master's degree in relevant fields. Certain designations, such as Associate in General Insurance or Accredited Adviser in Insurance, can also enhance your resume and increase your competitiveness in the job market.

Remember, identifying your career goal is an ongoing process, and it's okay to adapt and refine your goals as you gain more knowledge and experience in the insurance sector.

Researching potential employers

Scour the Company's Website:

The company's website is a goldmine of information. Go through the "About Us" section to learn about the company's history, mission, vision, and values. Look for information on what makes them unique in the market and how they stand apart from their competitors. Understand their products and services, and try to identify how your skills and experience can contribute to their offerings. Check if they have a "News" or "Blog" section, as this can give you insights into recent developments, such as acquisitions, mergers, or new product launches.

Explore Social Media Presence:

Check the company's website for links to their social media accounts on platforms like Facebook, Twitter, Instagram, LinkedIn, and YouTube. Follow these accounts and pay attention to the type of content they share. Observe how they engage with their followers and respond to feedback, especially when it comes to addressing concerns or negative comments. This will give you an idea of their company values and how they interact with their customers.

Review Employee Testimonials:

Sites like Glassdoor offer valuable insights into company culture, work environment, and employee satisfaction. Take the time to read through reviews from current and former employees. While keeping a critical eye, look for patterns in the reviews to identify potential red flags or consistent areas of praise. This can help you understand the company's strengths and weaknesses and decide if it aligns with your own values and career goals.

Study Industry Landscape:

It is essential to have a broad understanding of the auto insurance industry and the company's position within it. Identify their direct competitors and research industry trends. This demonstrates your interest in the sector and shows that you are well-informed. Being able to discuss industry trends and competitors during your interview will set you apart as a knowledgeable candidate.

Understand Company Structure and Leadership:

Take the time to learn about the company's organisational structure and leadership team. Check out the LinkedIn profiles of key leaders and executives to gain insights into their professional backgrounds and interests. This can help you identify common ground and talking points during your interview. It also shows that you are genuinely interested in the people who make important decisions within the company.

Prepare Informed Questions:

As you conduct your research, make note of any questions that come to mind. Demonstrate your interest and engagement by asking thoughtful questions during your interview. This shows that you have gone beyond the basic information and are genuinely curious about the company and the role. Well-prepared questions can also help you gain further insights into the company and assess if it is a good fit for your career aspirations.

Frequently asked questions