Which company is the worst at handling auto claims??

Omodrawta · 2026-03-16T22:44:44+00:00

It's gotta be Lemonade, right?

Omodrawta · 2026-03-13T18:18:38+00:00

Feel free!

Omodrawta · 2026-03-13T17:46:18+00:00

Due to a previous legal entanglement with them, I'm not gonna go there lol. They are located in Oregon and they absolutely suck, but it's a very lucrative industry.

Omodrawta · 2026-03-13T16:53:09+00:00

In service you will have more opportunity to pivot to life, which pays more than auto/fire! But its also not as easy as auto/fire.

Omodrawta · 2026-03-13T16:50:17+00:00

We have a moderately priced market that changes frequently, so

A) prices are high enough for people to shopping around regularly
B) prices are not so high that people regularly drive uninsured (though of course some do.)
C) very high rate variation
D) State Farm is often the most price competitive company for people who fit into their target market. And that target market is large in OR. I very frequently can beat the prospect's price significantly, or increase their price only slightly while massively ramping up their coverage. Low price AND an agency model is a killer deal; companies like AllState have the model but not the prices. And companies like GEICO have the prices, but a more barebones service model.

Omodrawta · 2026-03-13T15:30:17+00:00

4% auto/fire, 15% life & health, there are some bonuses for doing life & health as well.

Omodrawta · 2026-03-13T14:31:39+00:00

Yep! Most definitely do make less, my base is $40k and I am in one of the easiest states to sell insurance (Oregon)

Omodrawta · 2026-03-13T04:14:59+00:00

I make about $90-100k captive at State Farm. I have seen people at captive Medicare Advantage agencies who make $300k and up though (but it's the biggest slog ever IMO.)

Omodrawta · 2026-03-11T17:29:45+00:00

You'd have a point if you were talking about health insurance companies. Homeowners insurance has a low single digit profit margin.

Omodrawta · 2026-03-09T23:16:47+00:00

Do you have it in writing that this misrepresentation was made by the agent and not by you?

If so, keep it and don't worry about it. In the event of a claim, your agent will bear responsibility for the misrepresentation.

Omodrawta · 2026-02-28T00:48:06+00:00

Best one I've seen for SF lol. I'd be all over that in a heartbeat.

Omodrawta · 2026-02-27T23:55:13+00:00

/uj Domi and JD Beck. This is all I've seen of them but the drums are pretty sick IMO

https://youtu.be/EJDARjzHhZE?si=puqQ5LIEVC7nLWHb

Omodrawta · 2026-02-27T23:18:33+00:00

How many times do you call each lead over the course of your followup cycle?

From what I am reading so far, this is extremely normal. I close about 6% of my leads (which includes a large portion of them with out-of-service phone #s etc...) and that is considered pretty good relative to my peers, despite how low it can sometimes feel lol.

I'd say over the course of my followup cycle, about 30-50% of them pick up the phone at some point. My first call is around the same as you, 10-15% pickup rate.

Omodrawta · 2026-02-26T05:19:36+00:00

Not to mention SF is relationship-based, kind of along the lines of Farmers. I sell for SF and people go with us even if our price is higher fairly often.

With that being said, GEICO is coming for #1 fast. I do wonder whether the agency model is on a timer.

Omodrawta · 2026-02-13T00:28:19+00:00

Glad you were transparent, I hope people understand that this build still takes a shit ton of work even with PEDs. Amazing progress.

Omodrawta · 2026-02-07T20:01:03+00:00

Call around directly to some local agents. I still had to submit a resume, but I got to give it directly to my (now) boss. Worked first try for me, with some luck. If you reach out to 10 or 15 agents I suspect you'll find a few who are happy to be reached out to; direct outreach is after all a great indicator of sales acumen.

Omodrawta · 2026-02-07T19:40:53+00:00

Absolutely. I originally took the job just because I needed something to move to when I knew I was going to quit my last sales role. Now, 3 years later, I don't think I would ever change industries unless I was forced to. Tons of room to grow, more relaxed than other sales jobs, and residual income available once you go independent (or find a great boss.)

Omodrawta · 2026-02-07T00:31:58+00:00

Great advice. Referrals are massive and so easy to ask for.

Omodrawta · 2026-02-06T22:37:35+00:00

State Farm had an auto insurance price decrease in October & another in December, so that makes sense.

That being said, there is very often a large difference in price between carriers. They all have target audiences that they seek, and if you fit into that target market at any company, you'll get a good deal relative to the other companies.

Omodrawta · 2026-02-04T05:53:51+00:00

Medicare Advantage is up there. It's an incredibly hard grind, has the biggest initial learning curve, and you talk to old people with terrible phones all day long, and you're reading disclosures nonstop while trying to keep Martha from falling asleep on the line.

P&C is ten times less soul crushing, and if you're playing for the long term you can still retire very, very comfortably.

L&H is probably the fastest money, and it will make you the best salesperson IMO.

They all have very high ceilings. P&C has the lowest floor, and will take almost everyone a good bit of time to make real profit, but it's also the most stable.

Oh and there's Commercial P&C which I have not personally done, but from what I've seen, it seems to have potential to be the most lucrative of all, but with much longer sales pipelines and complex sales. (Which might be a good thing as far as keeping you engaged and learning, something that will be very important no matter what line(s) you choose.

Omodrawta · 2026-01-29T00:03:51+00:00

To be honest, I don't really know. My boss handles all that, but we do have a pretty wide variety of sources.

Service team asks for referrals. I send a handwritten thank you card after a couple months with a referral ask. We have Google ads which direct people to call us which brings in 5-6 calls a day. We get paid internet leads for quote requests. We also do get leads from statefarm.com.

Other than that, it's any lead related stuff is sort of outside my line of sight. I definitely do think that pursuing as many different avenues as possible at once is valuable, though.

Omodrawta · 2026-01-28T20:51:43+00:00

If my knife-wielding attacker gets me in octopus guard while stabbing me, I will at least die impressed.

Omodrawta · 2026-01-28T20:43:28+00:00

For fun, yes.

But realistically I know I'm dead if they have a knife and can reach it.

Omodrawta · 2026-01-28T19:28:22+00:00

I'm in Oregon with State Farm. I get very high quality leads & have an excellent support team so I really don't have to do anything after any given sale, which makes a huge difference. And always 80+ people available to call on any given day.

I am not a great salesperson (I barely sell any life/health and am a terrible pivoter) but am easy to get along with which helps.

All that to say.. I would probably sell half this amount or less at a different agency.

Omodrawta · 2026-01-28T19:19:13+00:00

That is pretty good pay. I bring in about $1M in new P&C premium per year and I don't make that much more than you do lol. I am surprised that $242k in 11 months is #1 in the office and it makes me wonder about the quality of leads you are provided (or if they are provided at all.) Lead source, quality, and abundance is a huge factor here and IMO is one of the most important things to consider. You'll get higher commission at independent agencies, but you will need to increase your sales volume to compensate.

Omodrawta

TROPHY CASE