[Zeke]

There is nothing pleasant about buying ins. Nothing good about being a doc and telling people their cancer test came back positive. All you've got is a necessary evil, so you try to focus on comparison. A lot of negative selling.

I do believe there are a lot of salespeople that will sell the full service policy to someone with a 4000 car. I wouldn't carry collision on the Jag if it didn't come with a policy insuring 3 other vehicles and the home. But, I'm sure not too many ins guys would say, "Why not pocket the difference and save it for repairs or replacement."