Virginia Independent Insurance Agent Opportunity

Virginia Insurance Agents Program | The Insurance Advisor (804) 638-9024

Virginia Independent Insurance Agent Opportunity

The Insurance Advisor, LLC  is seeking experienced, Virginia Independent Insurance Agents that would like to build an Independent Agency, own 100 percent of their book of business, and earn more commissions than
a captive agent or associate producer employee.

Qualified Virginia Independent Insurance Agents who are accepted into The Insurance Advisor Agent Program will have access to our agency infrastructure (Agency Management System, Agency Comparative Rater, Cloud Applications, Agency Digital Tools and Resources, etc…), our extensive agency market portfolio of carriers, our agency E&O, own 100 percent of your book and leave at any time.  This is a great Virginia Independent Insurance Agent Opportunity.

The Insurance Advisor, LLC is a Virginia Independent Insurance Agency and a member of the Smart Choice Agents network.    Therefore, a  TIA Agents Program Team Member will benefit from the many diversified market opportunities and benefits of the Smart Choice Agents Program, but also from the additional markets and benefits of the TIA Agency.


Highlights of The Insurance Advisor Agent Program

Smart Choice Agent Program Main Features

  1.  No start-up fees

  2. No monthly fees

  3. 100% ownership of book of business

  4. Opportunity to earn bonuses and contingencies

  5. Perpetuate your business the way you desire

  6. Many other benefits — vendor discounts, etc…


Smart Choice Virginia Insurance Company Partners

  1. Travelers
  2. Liberty Mutual
  3. Safeco
  4. Metlife Auto & Home
  5. Metlife Small Business
  6. Donegal
  7. CNA
  8. The Hartford
  9. Main Street
  10. The Tower Group
  11. Grange
  12. Dairyland
  13. Starr Dovetail
  14. BTIS
  15. ALFA Vision
  16. Encompass
  17. Kemper
  18. Mercury
  19. Augusta Mutual
  20. Foremost
  21. Arrowhead
  22. Atlas Insurance Services
  23. 5 Star

Visit to learn more about the Smart Choice Agents Program.   Please check out this Company info in our Smart Choice Magazine:   Smart Choice Historical Time Line–Company History and Current Information


The Insurance Advisor Agent Program

  1. Smart Choice Agent Program Benefits
  2. Additional Markets outside of the Smart Choice Program
    1. ASI
    2. Amtrust
    3. Progressive Home Advantage Program
    4. Coastal Agents Alliance
    5. Titan
    6. Berkshire Hathaway Guard
    7. AIC
    8. Gainsco
    9. We will continue to add more as we grow
  3. Team Training and Sales/Service Assistance
  4. Shared Services and Tools (Expenses divided among Team Members)
    1. Agency Management System
    2. Comparative PL Rater
    3. Google Apps Office Productivity & eMail Account
    4. Website and Online Marketing
    5. E&O for appointed accounts
    6. Office Space if needed, with office equipment: Phone, Internet, Printer, Scanner, etc…
  5. Team Member Insurance Master Mind Group


Qualifications for The Insurance Advisor Agent Program

  1. Virginia Licensed P&C and/or  Life and Health Agent producer for at least three years
  2. NO E&O claims
  3. Demonstrated ability to provide high quality sales and services to insurance clients
  4. Demonstrated ability to own and to manage an  Independent Insurance Agency

Learn More about The Insurance Advisor Agent Program

Virginia Independent Insurance Agent Opportunity via The Insurance Advisor Agent Program (804) 638-9024

Who would not be interested in The Insurance Advisor Agent Program?

Contact  Roger L. Gill​

The Insurance Advisor, LLC
7633 Hull Street Rd, Ste 100
North Chesterfield, VA  23235

P: 804-308-9424
C: 804-731-3050
F: 804-638-9900

Where To Learn More About Auto Insurance In Arnold MO | (804) 638-9024

HERE!  The Insurance Advisor!

Where To Learn More About Auto Insurance In Arnold MO |   The Insurance Advisor® of   Chesterfield | (804) 638-9024There are so many resources where to learn more about auto insurance in Arnold MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Arnold MO” on the internet, there are about 1,400,000 results!  That’s a lot of data!  Perhaps you should consider consulting with a friend, a family member and contact state resources.  Don’t spend your time searching, call The Insurance Advisor!  We are the best place to learn more about auto insurance in Arnold MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Arnold MO, State insurance departments are the best sources for company and agent licensing information.  The Virginia Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

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March News | The Insurance Advisor


We do the Insurance Shopping for You!

News from The Insurance Advisor

 ***  BREAKING NEWS  ***

The Insurance Advisor welcomes our newest team member Sarah Puentes.  Learn more about Sarah from our About Us page.

The Insurance Advisor--Assess Risks, Shop Companies, and Save Money. (804) 638-9024

 The Insurance Advisor

The Insurance advisor has many resources and emotions to depict every insurance issue and situation.  He will be providing important insurance information and education to the residents of Virginia.  In addition to his informative post on our website, you may see him occasionally on social media channels such as Facebook, LinkedIn, and Tweeter–although he does enjoy and likes StumbleUpon, Tumblr, and a few others.

The employment interview and selection process was challenging; however, The Insurance Advisor was well prepared and had the qualities we were seeking for our spokes person.  Honest, Fair, Educated, Knowledgeable of all Insurance matters–extreme knowledge of the many top-rated companies that we represent–why he even knew most the company underwriters’ first and last names!!  Needless to say, we are indeed fortunate and thankful that The Insurance Advisor is now representing The Insurance Advisor Insurance Agency!  Here are a few expressions and emotions that blew us away:

The Insurance Advisor


Hey.  I found four more discounts that you are eligible to receive.  And with your great driving record and good credit you could be saving another 15%.  It is time to start looking for that motorcycle–now that you have so much savings!

The Insurance Advisor


Caution.  Before you renew your business insurance, better let me shop it with top-rated companies to get the coverages you need for the best price.  You should also have a risk analysis done–and you could save more, if you had one of our custom safety programs!


The Insurance Advisor

Some things are like a light bulb coming on right in front of you.  Getting quotes from dozens of top-rated insurance companies just makes a lot of sense.  A local agent, shopping my insurance, getting me the coverages that I need for the lowest cost!  How bright!

The Insurance Advisor



Yikes!  The other insurance company is trying to  claim that my client is at fault.   I will get our legal team on this immediately!




The Insurance Advisor




Ok.  So I did not make it as a comedian.  You can still save a lot of money and get the insurance coverages you need!  Give me a call:

(804)  638-9024








Auto Insurance Dinwiddie Virginia


Auto Insurance Savings Tips | The Insruance Advisor (804) 308-9424Auto insurance is not only a wise idea, but it is also the law. All states have different requirements, so it’s smart to check what the minimums are in your state. Above that, you will need to decide what kind of coverage will suit you best. Check out the following tips to save money on car insurance.

Be proactive when finding auto insurance policies by asking for discounts. Companies may not vocalize their discounts when you are getting a quote, but by speaking up, you might find that you qualify fo r a discount and no matter how big or how small the discount is, you are saving money.

If you have a vehicle that is not worth much, consider getting only liability coverage on it. You can save a lot of money this way. You should know that if you have an accident that is your fault with liability coverage, you will not be covered, only the other driver will be covered.

Smart drivers hunting for auto insurance bargains familiarize themselves with all of the different varieties of insurance available. A driver who lacks a thorough understanding of the types of coverage will find it very hard to save money. Conversely, the driver who knows the various coverage types thoroughly can eliminate unnecessary coverage with confidence.

Decrease your mileage to decrease your premiums. The amount of miles you drive actually has a very large effect on the amount you pay for your premium. If you can cut down the amount of miles you drive, your premiums will fall with it. Give yourself a break, and take the bus on occasion.

Always check with the state insurance department before you sign an application for automobile insurance. You want to make sure that the company you are working with is licensed in the area that you live in. If they aren’t, you may not receive any help after an accident.

When you are looking for car insurance you should remember to check several quotes depending on the actual car that you want to insure. Even though one agency may be cheaper for one model that doesn’t mean they will be the best option for all models. Get quotes on several different cars from different agencies before settling on one.

If at all possible, you should limit your insurance claims if you want to save money on your policy in the long run. If you have a little fender-bender with someone, the two of you can decide to handle it without involving the insurance company. Getting insurance involved for every scratch on your car will send your premiums through the roof.

You can reduce the cost of car insurance by making sure you don’t buy coverage that you really don’t need. For instance, if you have an older car with a relatively low replacement value then you may not need comprehensive or collision coverage. Eliminating excess coverage from your policy could lower your premiums considerably.

If you are trying to save on your auto insurance, increasing your deductible will give you the best savings. Most car insurance companies will charge a higher premium to the customer for the luxury of having a lower insurance deductible. If you choose a higher deductible, this will mean that you will pay higher out-of-pocket costs if you are involved in a car accident or if you need to file an insurance claim.

You can drop the premium of your auto insurance policy if you drop something like medical. Do not do this unless your group health insurance provides a generous amount of coverage, or you could be left without medical at all. If it does though, consider dropping the medical-payments portion on your auto insurance policy.

Learn about any bundling discounts that your provider may offer. If you take a few minutes to call your agent to learn about this money saving offer, you may be surprised at the amount of money you could save. If your company does not offer a discount, check the internet to find one that does.

Purchase commercial auto insurance if you use your personal car to deliver property or humans from one location to another for business, or even if you volunteer to do it on an ongoing basis. Insurers call this type of vehicle usage “livery”. Most personal auto insurance will not cover you if you get into an accident while using your personal car for livery purposes.

Before you rent a car and accept car rental insurance, check out what kind of coverage you have with your regular insurance. This is a great way to save money and you may actually end up with better coverage.

One of the things that you can do in order to lower the monthly payments on your car insurance is by adding your spouse to the insurance policy. Some insurance companies give reductions when they know that their customer is married as opposed to being unmarried. They see marriage as a sign associated to stability.

If your current car or truck is valued at only a few thousand dollars, ask your insurance agent about the possibility of dropping your collision coverage. In many cases, the standard $1500 deductible is almost as much as the amount paid for an older model of car, truck, or van.

Be smart about which claims you put it to your automobile insurance company. Weigh the total cost of the damage against how much you have to pay for your deductible. If the difference is only a few hundred dollars, it may not be worth the extra premiums that the company is likely to charge you after you make your claim.

You should now be armed with some helpful facts so that you can get the best coverage for your needs. The internet is an excellent tool to use when looking for car insurance. There is plenty of information available that will help you decide what you need and what you don’t need. Agents may be paid on commission and try to sell you options that you have no use for. Be armed with information, so that you don’t end up paying more than what you need to.

Auto Insurance Tips To Save Time And Money

Auto Insurance Savings Tips | The Insruance Advisor (804) 308-9424Save time and money with these auto insurance tips.

lot of people are finding it difficult these days to decide what kind of auto insurance is right for them. The thing about auto insurance is that it’s a subject where the more you know the better chances you’ll have at getting the right type of coverage for you.

Do your best to keep a good credit score. Many insurance company will look up your credit history and this will influence your premium. You can improve your credit score by getting out of debt and build it up by applying for a few credit cards that you pay off regularly.

If you are a new or young driver, do not get insurance under your name. Instead, ask a parent or experienced drive if you could be added to their insurance policy. By putting insurance under your name, you are going to wind up paying a high insurance rate every month.

Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low!

Although you may think your insurance will be reasonable because you are driving an economy car, you may just have a surprise. Some cars are considered to be highly sought by thieves and if this is true of your car, you will see an increase in the price of your insurance, as well. Be sure to be aware of this when purchasing your car and consider avoiding these “hot” cars.

If you are insuring a new vehicle with a lien, consider purchasing replacement cost coverage on the vehicle. While standard coverage protects you from expenses related to accidents, it may not fully cover the amount of the lien on your vehicle. Instead, if you have a new vehicle with a lien that is totaled in an accident, you may find yourself several thousand dollars short of replacing the vehicle with standard coverage.

You should know when it comes to auto insurance that your age, gender, and driving history affect your premiums. Amongst these the only one you can control is your driving history, so you should aim to keep your driving history as pristine as possible in order to keep your premiums as low as possible.

If your goal is to lower the cost of your car insurance premium, remember that insurance companies often charge more to insure cars that are flashier or that cost more to repair. Having a low-profile vehicle,that is unlikely to get stolen, can often dramatically lower your rates.

One, less well-known way to get further discounts on auto insurance, especially if you have a teen driver around who is only going back and forth to school, is to request whether your insurance offers a discount for low mileage. If you can accurately estimate the actual mileage your teen drives and report it accurately, you will pay less.

If the amount of your premium on your auto insurance seems to high, make sure to question it. If you don’t, you could end up paying an incorrect amount. Call the insurance company and ask them why your rates are the way they are. Remember, tickets and accidents can also raise premium rates.

If you really want to get the best deal in auto insurance, take good care of your car and keep it for a very long time! A well-cared for older car will serve you well, and your insurance rates will just keep going down. The more often you change cars, the more expense you can expect in everything from insurance, to payments and taxes.

When choosing the auto insurance necessary for the coverage of your vehicle, it is important to match the value of your car to the value of your policy. If you have a very expensive automobile, but a very cheap plan, you will not be covered when you need to use your policy. Don’t be tempted to go for a cheaper, undervalued policy; you’ll regret it. If you want to save money, increase the deductible instead.

If you are a man, you should be prepared to pay more for your car insurance. This is because, statistically, men are more likely to have accidents. If you are a married man, however, the agencies tend to believe you are more responsible. Make sure that you re-evaluate your policy if you change your marital status.

When obtaining a quote for auto insurance, have a list of your car’s safety features, this will qualify you to receive a discount. If your vehicle has full airbags or an installed security system, you may be eligible for a discount. At the same time, if you have a young driver with good grades in your home, you may qualify for discounts based on driver characteristics. Have this information handy so you can ask about all possible discounts.

With the information you just learned you should already have a better idea of the type of auto insurance coverage you want to get for yourself. This information is only but a portion of all there is to know about the type of coverage you might want to get. Be on the lookout for more information and when you feel confident get the coverage that suits you the best.

Auto Insurance Requirements in Arnold Virginia | (804) 638-9024

Virginia Drivers’ Responsibilities

What Are The Auto Insurance Requirements in Arnold Virginia? | The Insurance Advisor® of Chesterfield | (804) 638-9024Many people ask themselves, what are the Auto Insurance Requirements in Arnold Virginia? Virginia law requires all motor vehicle owners maintain at least the state minimum auto liability insurance coverage. With that, Virginia residents are required to show proof of insurance when registering a motor vehicle or renewing their license plates. All motor vehicle owners must also keep proof of insurance in their vehicle(s) to be able to show proof of insurance anytime you are dealing with the authorities.

Periodically, during the period of vehicle registration in Virginia, the Driver License Bureau may request that a vehicle owner show proof of insurance.  If the vehicle owner cannot provide proof of insurance, a driver license suspension is enforced.   Having a suspended driver license could have a significant impact on your insurance costs and the type of carrier who will write your policy.

What Are The Auto Insurance Requirements in Arnold Virginia? – MINIMUM LIABILITY

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Auto Insurance Richmond VA

Auto Insurance Richmond VA |The Insurance Advisor | (804) 638-9024Have you been searching online for ” Auto Insurance Richmond VA. ”   Did you know that The Insurance Advisor Sells Auto Insurance in Richmond VA!  Our agents will shop top rated companies and find the right coverages you need for the best value.

Insurance rates vary by many factors, and we highly recommend you to discuss the options with one of our agents. As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or have the best price for the coverages you need. You should discuss any life changes with your agent, when any of the following occur. It could cost you more money in the long run, or you could receive substantial discounts.

The types of life changing events include:

  • Changes in your employment
  • Marital status
  • Credit score (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price. Richmond Virginia Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

In order to have the best coverage, you will want to talk with your auto insurance agent about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be at risk for financial disparity, or you may be paying for coverage you do not need.

There are many types of coverages and the following list will help you understand each type of auto insurance so you can make the right decision that meet your needs.


All Virginia drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance includes 1) Bodily injury coverage, which pays for injuries suffered by others in an accident you caused and 2) Property damage coverage, that pays for damage you cause to another person’s property in an accident.


Vehicle coverages can serve as financial protection when your car is damaged or broken down. However, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other two main categories of car insurance: liability insurance and medical coverages.

Virginia also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through your liability insurance.


Med Pay is an important auto insurance coverage. Also known as Medical Coverage, medical car insurance covers the costs (up to a limit) for injuries that you or  your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.  Did you know the Institute for Highway Safety Fatality reports nearly 25% of ALL car accidents end in death!  This is a sad, but true statistic.  Don’t take the risk and become a statistic!  Contact your local Richmond VA insurance agent at The Insurance Advisor – (804) 638-9024.

Auto Insurance Richmond VA |The Insurance Advisor | (804) 638-9024COMPREHENSIVE AND COLLISION INSURANCE

Comprehensive Insurance Coverages, will help pay for repairs to your car when damaged by an event other than a collision.  Although this coverage may vary between insurance companies, it generally covers damages from fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage. Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a collision–such as hitting another object.

Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about this – when you cause an accident, what is your first thought?  Of course, its if everyone is okay, but then you see the damage and wonder how you’ll pay for the other driver’s damage. If you have liability coverage, this will may cover all of those costs. However, if you only carry liability insurance, you could be left to pay for your own damages out of your pocket.


There are many other auto insurance coverages, some may qualify you for additional auto insurance discounts. These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage. You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage page in your policy.

Your search for  “Auto Insurance Richmond VA” is over.  Call an agent with The Insurance Advisor.  We will shop top rated auto insurance companies and find the coverages you need for the best value.

Where to Learn More About Home Insurance in Arnold MO

Understanding Your Home Insurance Options

Where to Learn more about Home insurance in Arnold MO | The Insurance Advisor® of Chesterfield | (804) 638-9024

The Insurance Advisor® of Chesterfield knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss.  Our agents are here to help home owners know where to learn more about home insurance in Arnold MO.

There are many coverage options you can have in your policy.  On your declaration page you will see several terms; including  dwelling coverage and personal property coverage.  The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage.  One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection, discuss your options with us. We’re here to help!

Detailed information about home owner insurance and how to contact us can be found on our website page: Where to Learn More About Home Insurance in Arnold MO.

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Auto Insurance in Arnold Virginia | (804) 638-9024

The Insurance Advisor MO Enhances Insurance Quote Automation for Buyers

How To Buy Auto Insurance in Arnold Virginia | The Insurance Advisor® of Chesterfield | (804) 638-9024Through a auto insurance quote engine The Insurance Advisor helps you understand How To Buy Auto Insurance in Arnold Virginia.  We even offer auto insurance quotes from multiple carriers in quick, easy steps, that only take a few minutes of your time!  The Insurance Advisor represents many of Virginia’s premier personal and commercial line insurance carriers who offer competitive rates. We proudly represent Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.  This new system makes shopping for insurance easier for the consumer.

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