I am in my 1st year in the P&C business and mainly using online leads. Have to sift through a of dirt to find a gold nugget.

But it is predictable after you figure out that you won't ever speak to most of the leads you get - and many are fake.

1) Leads companies the sell bogus, incentivized ( win free ipad) or recycled leads.
2) Legit leads that never answer the phone or email

Does anybody know of some regional insurance directories?