(We're looking for pain points with their current policy - are they looking for a lower price, did they experience bad service, poor claims experience? )

"We want to know what to do or NOT to do to keep you as a customer for life"

(this includes children, roommates, relatives, etc)

"Most policies cover these items up to $1500 total, but they're subject to your deductible. If you have a collection of jewelry, cameras, musical instruments, fine art, firearms, or anything else of higher value there are coverages available (Scheduled Personal Property - SPP) for an additional cost that would give you extra coverage for personal property with NO deductible. "

"I call this "freak accident" coverage. What would you do if you caused an accident and the person you hit was paralyzed for life? You could be on the hook for the difference between your auto liability limits and the amount of damages to that person. I like umbrella policies for 2 reasons: 1. to protect your hard earned assets and future income from wages being garnished. 2. To do the right thing. An Umbrella policy would help put that person back to square one."

(restricted dogs can include: Doberman, Rottweiler, Pit Bull, Chow Chow, German Shepard. Each carrier has a slightly different list.) If someone has one of these dogs, "We may have to exclude animal liability if the dog bites or hurts someone by jumping on them so you'd need to be certain that your animal wouldn't hurt someone and you're not worried about a lawsuit because of your dog."

(anything else we should know?)

"Many companies we use offer discounts anywhere from 20-30% on your home policy by bundling your auto with them. We don't want to leave money on the table and there is a VERY good chance we'll be able to save you money overall on your home/auto insurance each year." **OPTIONAL -- - "We want to help you save on your TOTAL ANNUAL insurance premiums. For example, if your home insurance is $2000/year and your auto insurance is $500/year we want to try to get your total cost down below $2500/year regardless of the cost of each policy - home vs. auto"

(only fill out the fields that we haven't already filled out above. Please input at least the first name of each person so we know who's DL# to associate with them.)

(Year, Make and Model and VIN - if known)

"Many people have a $500 deductible. If you have an emergency savings and can handle a little more out of pocket if you have an At-Fault accident, we recommend most of our clients choose the $1000 deductible. You should be able to absorb the increased $500 in deductible in about 2-3 years because of the savings each year. " ----- "" If it's a NOT-At-Fault accident you'll either have a $250 deductible in TX for your car because of the Uninsured/Underinsured coverage OR the other person's insurance will pay for your vehicle assuming they have enough"". ----- "You WILL pay less for your insurance over 10+ years of having insurance even with a claim with the $1000 deductible."

"We recommend a minimum level of coverage of $100/300/100k. What do you think it would cost to spend 2 weeks in a hospital if you had to undergo major surgery because of a car accident? It costs $10k to get a few test run in the ER so we want to make sure you're not stuck with huge bills as result of injuring someone else on the road by accident"

"Did you get a ticket for speeding or pulled over and ticketed for anything? If you took defensive driving and it didn't show on your driving record that's always best".

"Our companies offer a MONTHLY EFT or PAY IN FULL option". -------(Don't offer anything else unless the client has a strong preference otherwise)