Okay, so Rich Coleman is an insurance agent with a broad range of skills and experience. He's not a highly specialized expert in a particular area, but rather a generalist with a broad scope of knowledge. His experience and education are solid, but not exceptional. He's not located in a major city, which might impact his earning potential. Considering these factors, I'm estimating his hourly rate to be around $75, which is on the lower end of the scale for an insurance agent with his experience and skills. Some insurance agents in similar roles and locations might charge upwards of $100-$150 per hour, but Rich's broad range of skills and experience suggest a more modest rate.