Things to consider, though, are the premiums and coverage. All else being equal, first dollar policies cost the insurance company more, so they will charge a higher premium. When an insurable event occurs, the driver's out of pocket costs are less, but each month or year that driver is paying more in premiums, which offsets that advantage. Also, coverage limits may be lower with the first dollar policy. This is especially likely if the premiums seem comparable with a deductible plan.
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I do a LOT of online surveys and I found a few sites that will pay instantly with anywhere from $.01 to $2 in your account. Rewarding Ways, Offer Nation, Dollar Clix My favorite one is Survey Savvy, although, at this time, they only pay by check. Another way to earn some quick cash is by writing articles for Hire Writers. You only need $10 in your account and you can get that by writing a few short articles. They pay automatically every Friday by paypal.
Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.