Posted On: April 23, 2007, 5:19 pm CDT

Posted By: Ralph Balamabama

First of all, how would an umbrella do anything for the people at VT. An umbrella covers liability. So if the injured/deceased had an umbrella it would pay nothing. Maybe you are confusing an umbrella with life insurance. Obviously you have no idea what you purchased. Most agents do not want an idiot like you for a customer. Secondly, buying a second policy for your wife who is automatically covered by the first is just buying the same thing twice. How stupid can you be? If you wanted more coverage just increase it from 1million to 2 million to 3 million etc. Buying a second one just shows your stupidity and is a waste of money. By the way, I am a fairly new agent in business 4 years now. I have written a ton of former Geico and Progressive direct business and saved those people money every time. I have yet to lose one client to Geico or Progressive Direct. Just this year Geico opened up a local agent office in my town. It seems even the Lizard can see retention is not there in selling direct. I quoted my own auto insurance with Geico and it was $300 more annually than my wife and I our paying now and it was for less coverage. They will not go as high as I have on liab or um/uim. I do not know whom they are saving 15% but it is not any of my clients.