by TLE » Tue Jan 20, 2009 04:48 am
I was wondering if all these company's I see on TV that sell insurance on the internet and do not use an agent and they give a discount if you buy on line,does this hurt sales for some agents, and is it possible this could eliminate the agents job.
Posted: Thu Feb 05, 2009 02:43 pm Post Subject:
'I can tell you that if you quote health it is the same price, at least here in KS and MO, no matter how you get your plan. At least in theory that is the case, but an agent will find the RIGHT plan, which an online service can''t do for you. There are ways to combat the web-only companies, though. I work for commissionbuilder.com (shameless plug) and we allow health agents to give web quotes via a link on their website. It''s not pricey, and it keeps the agents current in this tech world.
Posted: Thu Feb 05, 2009 08:11 pm Post Subject:
Thanks HealthGuy, and welcome to the community...
Posted: Fri Feb 06, 2009 09:17 am Post Subject:
Posted: Fri Feb 06, 2009 09:17 am Post Subject: it shouldnt be
i won't think it will ever eliminate the job of an agent. just think that when there is any claim who is going to assist in the settlement of the claim,
are the robots going to come & settle it on behalf of you? or all those TV commercial poster boys going to settle down the big process & help you out in the claim process.
i think you have got the answer. :wink:
Posted: Fri Feb 06, 2009 12:17 pm Post Subject:
Here's my stand... I'll quote myself:
Back to the facts, SHOW ME the auto insurance policy proposal whereby auto insurance with Progressive is a different premium for the EXACT same contract and the only thing that was "different" was the method by which the policy was purchased.
SHOW ME!
:twisted: Lori, why are you refusing to post this price "difference" here online? :evil:
This is the 3rd time I've requested you back up your opinion with credible and verifiable information and you're still beating the dead horse issue.
Could it possibly be there isn't any price difference?
For the general public who may read this thread and purchase any form of insurance online. THAT is a sales method whereby the insurance company can legally rob you by having you screw yourself.
You have no legal recourse when the policy fails to perform as "thought" or the coverage proves to be inadaquate. A "lawyer" in court would say the agent knew or should have know that combination of coverages wasn't suitable for your situation.
You have no such cause of action because YOU did it to yourself.
Posted: Fri Feb 06, 2009 12:21 pm Post Subject:
i won't think it will ever eliminate the job of an agent.
I don't think so either, and sure hope not...just think that when there is any claim who is going to assist in the settlement of the claim,
Same ones that do it now adjusters... :? most agents don't handle ANY claims some have some minor draft authority on first party claims but by and large adjusters/claims dept handle claims not agents...are the robots going to come & settle it on behalf of you?
or all those TV commercial poster boys going to settle down the big process & help you out in the claim process.
what?Posted: Fri Feb 06, 2009 12:28 pm Post Subject:
Lori, why are you refusing to post this price "difference" here online?
Cause I haven't done it yet Gary, sorry I have a real job too you know... :roll: the online quote is nothing...but as you should know an agent quote takes longer...and I haven't even looked for one yet...This is the 3rd time I've requested you back up your opinion with credible and verifiable information and you're still beating the dead horse issue.
dude for the umteenth time, it's not my opinion it's what the site says....are the prices the same? NO...That's what the site says...not lori!For the general public who may read this thread and purchase any form of insurance online. THAT is a sales method whereby the insurance company can legally rob you by having you screw yourself
come on gary that's b.s. and you know it.You have no legal recourse when the policy fails to perform as "thought" or the coverage proves to be inadaquate. A "lawyer" in court would say the agent knew or should have know that combination of coverages wasn't suitable for your situation.
more b.s. gary...first of all you think there are no e&o policys for the online bids? didn't you say at one time you don't feel it necessary to carry one yourself or was that someone else? geeeeeze...i'll do my darnest to find a progressive agent and get a quote from the road today i'll hopefully get one that can email it, cause i don't have the time to go pick one up...then the online quote will be easy...
Posted: Fri Feb 06, 2009 01:44 pm Post Subject:
Ok, wait...(yip pee) turns out I didn't have to actually call an agent...Progressive has a site dedicated to agent quotes (based on zip codes-you pick the agent at the end) as well as a separate direct buy site...(agent quote site is<< quote5.progressiveagent.com ) (Progressive direct is << autoinsure5.progressivedirect.com) so you can even do it gary...
Well get this!!! per your request (minus the part that it's ''my'' opinion)
This is the 3rd time I've requested you back up your opinion with credible and verifiable information
Ok I requested the exact same coverage etc. on both of course, with my husband and i as drivers, min.state required liability (25/50 bi and um and 10k pd) as well as coll and comp with 500 deductible each...well my friend...the online progressive direct quote is $173.00 for six months (if paid in a lump sum) The agent quote is $258.00 if paid in full, not only is the online quote less it's ALOT LESS... if you pay monthly the online cost is 186.00 the agent cost is 290.00!!! holy moly! Now I'm no math wiz and certainly have not instilled myself with the S.A.F.E. distinction ( :roll: )...but that is 85.00 savings per six month policy period if paid in full or $104.00 savings if i pay monthly thru eft ! Gary that is a HUGE difference in anyone's book! the direct quote does say over to the side that a one time 50 dollar discount for buying on line, but even without that there is still a goodly difference, and the argument i believe was NO DIFFERENCE, then THERE IS A DIFFERENCE ONLINE IS HIGHER...NOT
so you my dear friend...are double wrong...It will not let me copy these pages gary and as you know i am no computer wiz...it does say i can send the pages by email...i'll send both of them to your email address..(so you can see i didn't 'cheat' in any way :roll: ie coverages limits drivers identical) maybe you can figure out how to post them here...if you find it necessary.
Wait I just got an email from progressive direct:
Thanks for quoting with Progressive!
Your quote number is 755126831.
Your 6-month policy premium is $173.00 if paid in full or monthly payments of $30.18/month
Here came the agent quote:
YOUR PROGRESSIVE QUOTE
Progressive offers many payment options to fit your needs. You can even pay in full for maximum savings!
Payment options: 6 month rate*: Monthly payment*:
Pay in Full $258 --
Pay monthly using EFT $290 $48.33
Pay monthly $305 $50.83
I anxiously await your reply! (does this mean gary that I have the distinction of winning the third, fourth and fifth thread war?)
Posted: Fri Feb 06, 2009 09:30 pm Post Subject:
I wasn't going to get into this discussion, but I have fought this for a very long time.
Anyone who has worked with property and casualty insurance knows very well that the online "direct" quotes are cheaper than what an agent can get.
There's just no debate on that point!!
Posted: Fri Feb 06, 2009 10:15 pm Post Subject:
Well geeeeeeeze Maze, thanks for having my back....
Gary, I'll email you my address so you can mail your P&C license to me.. :wink: got a place ready for it... :lol:
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