"I don't want to tell you my current premiums"

[pageins]

I think it's important to focus on coverage first. If I ask the prospective client what they are paying, I always leave them the opportunity to not disclose the premium. With presonal lines policies there is no room for premium variance. With small commercial lines, different story altogether...so I make sure they understand that credits can be applied to a quote to reflect good loss experience, and to be competitive.