The purchase of a brand new expensive watch can bring joy and excitement to it’s owner. It has physical beauty, moving parts, and reminds of its significance every time the owner glances for the time.

An insurance policy is quite different, it is not tangible nor physically beautiful, and usually does not bring joy and excitement to its owner.

For this reason, it’s no surprise that many people view insurance as a commodity, the same thing at any agency. Where a NY auto, home, or business policy is the same identical product at Agency A, Agency B, and Agency C.

The fact is, there are often large differences between insurers and agencies regarding pricing, coverages, time spent with prospects and clients, education, agent experience and customer service for auto, home and business insurance.