I’ve always put insurance agents in the same category as used car salesman. I thought they were all sleazy, creepy, pervy, slimy, (insert negative word here), and just downright awkward. Only selling products that are either overpriced or unnecessary. Turns out, they aren’t ALL as bad as I thought.
One of my wife’s friends (let’s call him Beavis) is an insurance agent. He’s been doing it for about three years now and seems to love it. I never talked much with him about it, though as I didn’t want him to try and sell me a bunch of crap I don’t need. Last month, my car insurance was up for renewal so I decided to shop around a little bit.
I also shot Beavis an email to see if he could get me a better rate (or better coverage for my money) then what I was quoted. I provided him pretty much all the same information I gave to each of the insurance agencies. He got right to it and two days later, I had an email from him with a quote that was $200/year cheaper than anything I could find for myself. Not only was the price/coverage stellar, but it was even with a large national agency, not some small random company!
Intrigued by this whole insurance agent gig, I shot him an email requesting quotes for term life insurance and disability insurance. Sure enough, he got back to me with quotes that were cheaper than, or as good as, what I could find.
Call me crazy, but I’m sold on the idea of going through Beavis for all my insurance needs from now on. I’m really glad/surprised he was, not only able to save me money, but totally changed my view of the insurance game. Don’t get me wrong though, I’m still convinced most agents are as crazy as this guy looks…
What’s your opinion on insurance agents? Have you considered using, or do you use one? Was I wrong to assume insurance agents are like those sleazy used car salespeople?
Have you ever judged an industry or profession before, only to be pleasantly surprised it’s not ALWAYS as bad as you thought it was?