If you ever want to feel like a mutilated corpse, simply put out word that you are searching for insurance. Then guard your intestines as agents, carriers and brokers rapidly descend like starving vultures.
Although I’ve actually worked in the insurance industry, I don’t recall agents flocking so madly on prospects. I do recall words of warning from my insurance agent boss who always said insurance agents were only about a half-rung higher than used car salesmen on the food chain. Since he was the coolest boss I ever had, although I think he’s still irked over how I fled to New Mexico to pursue journalism, I never believed him.
Now I just might.
My first mistake in the insurance seeking process was believing one of those websites that said they could get me a handful of competitive quotes in about 10 minutes. I needed competitive since my existing policy was up for renewal – at about triple the rate with which I started.
The carrier had pulled the same stunt with my car insurance, slowly snaking up the rates until I was paying enough to insure a fleet of school buses rather than a single vehicle that pretty much does nothing but sit in the garage. I switched car insurance companies and cut my rate by about one-third. I figured I’d do the same for my house.
So I merrily went to my new car insurance carrier and asked for a home insurance quote. They wanted nearly double the amount of my existing carrier’s renewal rate. That’s when I was sucked into the competitive website thing.