An Auto Insurance Agent sells the Auto insurance policies issued by different Auto insurance companies. The Auto Insurance Agent warns the Auto insurance policy holders about the dates of premium payments and updates them about the changes in rates and polices of the leading Insurance Companies.

Different Auto insurance policy issuing companies provide various auto insurance policies through their licensed Auto Insurance Agents to the prospective consumers. These Auto Insurance Agents usually have some duties to perform which are typical to their profession.

The typical duties of the Auto Insurance Agents are discussed in details as given below :

To Associate with new people in order to find out the prospective consumers who may probably subscribe to auto insurance policies issued by the Auto insurance companies that they work for
To make it a point to be informed of the individual likes and dislikes of the prospective consumers of auto insurance policies which they are paid to sell.
To acquire information about the current economic status of the prospective consumers of auto insurance policies
Providing the prospective consumers of auto insurance policies with all the information that they must know about the auto insurance policies and products that they have decided to subscribe to.

The Auto Insurance Liability Coverages included within the auto insurance policies issued to the prospective consumers by different Auto insurance companies via the Auto Insurance Agents are as follows :

Liability Coverage - provides auto insurance coverage for making payments towards damages caused to others by the insured consumer while driving in cases of covered accidents.
Medical Payments Coverage - provides auto insurance coverage for making payments towards medical bills incurred for the valid and necessary medical treatment of the insured consumer along with others present in the car at the time of the accident, for bodily injuries received during a covered accident.
Under insured or Uninsured Motorist Coverage - provides auto insurance coverage for making payments towards any covered damage caused by those drivers not having auto insurance policies to their names or not covered by sufficient auto insurance coverage.

The Auto Insurance Property Coverages included within the auto insurance policies issued to the prospective consumers by several Auto insurance companies via the Auto Insurance Agents are as follows :

Collision Coverage - provides auto insurance coverage for making payments towards the repair or total replacement of the insured car caused due to a covered accident.
Comprehensive Coverage - provides auto insurance coverage for making payments towards covered damages to the insured car as a result of an accident (excepting a collision), such as theft, windstorm or flood, besides several such other accidents that may either cause damages to the insured car or destroy the insured car as a whole.

The Additional Auto Insurance Coverages included within the auto insurance policies issued to the prospective consumers by several Auto insurance companies via the Auto Insurance Agents are given below :

Personal Injury - provides auto insurance coverage for making payments towards certain reasonable and necessary expenses.
Additional Coverage Options - provides auto insurance coverage for making payments towards certain additional optional covered accidents.

The Auto Insurance Agent at the same time informs the Auto insurance policy holders about the penalties that they would have to pay in case if they drive cars that are not insured with an Auto insurance policy.

The Penalty that need to be paid for driving cars that do not have an Auto Insurance :

As per the Insurance Information Institute the penalty for driving without auto insurance vary depending on the percentage of drivers who are uninsured in a particular state.
In certain states drivers without auto insurance can be charged fines as well as be punished with a one-year jail sentence.
In other states drivers running a vehicle without the minimum required auto insurance will have the uninsured vehicles seized and such a penalty may cause the drivers without auto insurance a huge amount of money for the prolonged period of time taken to retrieve the uninsured.

Before entering the Auto Insurance market in order to insure his or her car in addition to his or her life which collectively may be prone to danger in cases of car accidents, any prospective Auto Insurance policy holder should be able to clearly distinguish between an Independent Auto Insurance Agent (or an Auto Insurance Broker) and an Associate Auto Insurance Agent (or rather simply an Auto Insurance Agent) as both these kind of professionals work in the auto insurance market.

The Associate Auto Insurance Agent (or rather simply an Auto Insurance Agent) is a professional who is recruited by a specific insurer (any particular auto insurance company or by the subsidiary of an auto insurance company, that is, the Auto Insurance Agency) and works only for it. The Auto Insurance Agents, only because they are employed by a specific auto insurance company, are empowered to sell or market the different auto insurance policies issued by that particular auto insurance company.
An Independent Auto Insurance Agent is an entrepreneur who works independently mainly in order to add on to his or her personal income. People who are interested in the Auto Insurance markets and those who want to buy cars and insure the same, may consult the Auto Insurance Agents who sell the Auto Insurance policies of all most all auto insurance companies that are available in the auto insurance market.

All Auto Insurance Agents should fundamentally have an extensive knowledge of the entire auto insurance market. The Auto Insurance Agents should be aware of the minutest of details of all the auto insurance policies that are issued in the market by different auto insurance companies.

The Auto Insurance Agents should primarily be able to provide their clients with the best possible advise regarding the choice of a policy that will be suitable for the economic situation of the consumer as well as meet his or her future requirements regarding the insurance of the car purchased by them.

The main and the foremost obligations of any Auto Insurance Agent towards his or her individual auto insurance policy consumers are as follows :

the collection of auto insurance premiums from auto insurance policy holders at specified intervals
to provide personalized assistance to the auto insurance policy holders with auto insurance claims and settlements in cases of impairment and/or complete destruction towards their own vehicles or injuries received by the consumers along with injuries received by other people on the auto insurance policy consumer's car after a covered accident

The work of an Auto Insurance Agent is very difficult considering the availability of unique requirements of every individual auto insurance policy customer. The Auto Insurance Agent at the same time has to deal with a host of auto insurance policies on offer from numerous auto insurance companies.

However the Auto Insurance Agents do not need to exact any kind of fees or charges from the individual customers of auto insurance policies that they cater to and are in fact paid significant amounts of commissions by the auto insurance companies for selling the auto insurance policies circulated in the market by them.

Any Auto Insurance Agent actually caters to the problems related with the auto insurance issues of the prospective auto insurance policy consumers who want to insure their automobiles (vehicles).

An Auto Insurance Agent working in any particular Insurance Agency may be classified as follows :

Part time Auto Insurance Agents or advisors who work during their free times as Auto Insurance Agents only to supplement their individual incomes.
Full time Auto Insurance Agents or advisors are experienced Auto Insurance Agents who devote all of their time to this work or these may also be people who have retired from their regular jobs and therefore are working as full time Auto Insurance Agents.

For more information on Auto Insurance Agents one may log on to investopedia.com, helpinsure.com