Shit Avery, it sounds like the REAL advice you should give is NOT to get into the insurance game in the first place!!!!

I've gotten at least a dozen Insurance Sales offers in the last couple years and they go right into the trash! Intangible sales FTL!
BTW I'm honestly sorry if this got too personal but truth be told on average, a guy could buy two or three cars with what most suckers end up paying in child support over 18 years. I have seen people pay out enough per month to easily make a payment on a new bike/car. My best financial advice is to get fixed!