Really liked updating this post from October 2013, still is 100% accurate even if I could change a few things, I didn’t. Being a resource can be interpreted a few ways; you are actually the resource, the one getting things done. Or, you are the resource because you shared one. So some moments from the week;
Partially prompted by this October 2012 rant on coverage, sadly, my efforts have helped hundred but millions are still not benefiting. Sadly, I am one of those negatively impacted by someone with not enough coverage and a large national company that allowed this to happen.
I’m done, actually never started, with the nonsense of “Hiring Producers,” Human beings who have earned a license are LICENSED INSURANCE AGENTS. Yes, the quality, like all professions, will vary. BUT, What the F are they actually producing? If you say revenue for the agency, the sound you hear is me vomiting.
Circa October 2010, none of these really need/deserve a full reboot and it looks like I made slight updates in May 2015
First, let us take a moment to thank Grammarly. Like you, I’m busy and miss things. Old posts had lots of silly, mostly lazy, mistakes.
Your updated disclaimer; I value time more than I did in October 2010 and, as my available time seems to diminish and priorities shift, even more than in May of 2015. What does this mean? Well, I am not sure that I held back then and the only stuff I hold back now is proprietary stuff. Even that is shared with certain audiences.
I hope this finds you doing well. It’s been a bit and I know things can be tough for some of us. Safe to say it could be more challenging now than when you started in the business. Honestly, if there was an insurance police this would be something they would want to know about, but since there is not I’ll just write this note to you.
So I was playing around with on-line quoting and of course had to use Geico. Recently, now about 3 months late I received a well done email. Obviously now part of a drip campaign. This is not remarkable but what was there certainly is.
FANTASTIC. First of all it is a very cool tool. Clean screens, easy to use, etc. But why is this important?
BECAUSE THE COVERAGE THEY OFFER IS NOT AS GOOD AS WHAT YOU DO!
**Incomplete thought 1/4/2015**
Is all the agents. Well not quite all of them but lately it seems like most of them. Likely that the Pareto principle would disprove this but hey it’s been interesting. What do I mean? I mean if more agents did what the public thought their “job” was we would need less agents. Why? Because then there would be less messes to clean up for the rest of us.
Seriously, that is what it cost when I went to visit my grandmother at the hospital. That is awful, I have paid less to go to professional sporting events. $8 can provide adequate nutrition for at least 1 person if not 2 for a day but instead it bought me a parking spot for 1 hour. There is more than enough evidence that it is the presence of loved ones that truly enables healing yet they make it difficult. So let’s dive a little deeper;
Most people will immediately think it is the company. The company sets the rates and the underwriting standards that you accepted when you signed your contract with them. The company determines which of your tickets, accidents and claims will have an impact on your rate and for how long. ** Despite what you may have heard corporations are not people and cannot get tickets or have accidents or claims**
Seriously has anyone ever paid for an insurance quote? I mean would you actually call a 1-800 number and pay for an auto insurance quote NO. Why the heck would you, you are in control. Without you these companies have no chance of survival so I cannot even imagine a day when you will have to pay for an auto insurance quote.
But despite this I would love to hear from anyone that can go a week without hearing an ad touting “get a free quote.” Where might you see this offer;
That by taking minimum coverage, $25,000/$50,000 in New York you are actually setting yourself up for higher rates.
That I tend to see this coverage more often from the company that does the most advertising.
That your low rate actual makes you pay higher coverage and in the event of an accident could hinder you financial for years to come.
The difference between minimum coverage($25,000) and better coverage($100,000) many times is about $5 a month.
That I cannot think of a circumstance that I would ever do this disservice to anyone. But then again I don’t provide quotes or promise you cheap insurance. Who wants to buy cheap things anyhow.