Our industry has ruined you. The weakest insurance companies in our industry have been the best at lowering the tide of quality and expectations among consumers about what insurance is all about.
Cute advertising characters have done a fantastic job of drawing your attention away from things like:
1) The benefit of raising deductibles in order to fund better coverage
2) The importance of having an advocate on your side when you have a claim
3) "Discounts" that are usually just a red herring meant to fool you
4) The amount of money you waste on insurance because it's not actually insurance
5) The reality that you should expect to get exactly what you pay for
6) That fact that no one at an insurance company who let you quote and buy your own policy cares about you
7) That 99% of you make mistakes when quoting/buying online which costs you extra money on unnecessary premiums.
So I'm sorry for our industry. I'm sorry that concepts like advocacy and counsel aren't part of our vernacular anymore. I'm sorry that more of us don't work harder at freeing you from financial worry so that you can concentrate on better things. I'm sorry that our industry has dumbed-down our level of honesty with you while the scope of coverage has shrunk, premiums have risen, and transparency into how we rate your premiums has diminished. I'm not happy about that at all.
But for as long as we're here we'll try our best to resist and buck the trend of trying to hoodwink you. Instead, we'll help you move away your burdens of risk that let you care for your family. Insurance has many benefits both before and after you have a claim and our goal is for you to make insurance decisions that you feel good about.
