The process I used was to interview with the insurance company I wanted to work with and make use of their contacts and methods to obtain my license, which involved passing a written exam and paying a license fee to the state insurance department.
In a word, no. There are thousands of people who obtain insurance salesperson's licenses that are never employed by insurance companies. I am not employed by an insurance company - I work for an insurance agent. In addition, I received my insurance licenses (24 years ago) prior to securing a position. I live in the state of Wisconsin. If you are interested in obtaining a license to sell insurance, a good place to find out for sure is either with your state's insurance regulatory department, or contact a pre-licensing education school. They would know the requirements for being able to obtain a license in your state.
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Yes, you can still get Auto Insurance but not through the standard carriers. You will need to contact an Independent Agent that has many companies available. United Auto Insurance is one company that will still offer you coverage while you work to get your license back.
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A 6-20 adjuster license is a license for an all lines insurance adjuster. Someone with this license could either be an independent adjuster or work for a company. An all lines adjuster determines the amount of a loss and/or settles claims.
So long as your Auto Insurance is still in force your policy still covers you. You should renew your license as soon as possible though as the Insurance company does check your drivers license and driving history regularly. Should the company find that you have allowed your license to expire, they may decide to cancel your policy or decline to renew your policy on the assumption that you no are no longer a licensed driver and therefore do not need Auto Insurance.
You will need to take an insurance license exam in order to get a license. If you pass the exam, you can contact insurance agencies and decide who you would like to work for.
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The cost of auto insurance depends on the model being covered, so you must know at least the kind of car you will buy before the policy becomes active. But you can work with the insurance company or agent to get everything in order so the insurance is ready to go as soon as you own the car. You don't need a driver's license to own a car, and thus to buy insurance, but you must have that license before you drive the car on public roads.
That's a big undertaking. Becoming an insurance company takes an enormous amount of capital and a lot of approval from the department of insurance. The better approach may be to get your insurance license and get an appointment with a bonding company to work as an agent first. The next step may be to become a general agent for the company, and finally a wholesaler. Insurance companies generally need servicing agents to administer insurance and even calculate the cost of insurance.
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