re: What’s the point of a State Farm “Insurance Agent”?

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It’s not I refuse to pay the appropriate rate.

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The definition of appropriate is relative.

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A little bit of effort from a Insurance Agent at the beginning doesn’t strike me as that big of a deal or improper.

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I didn't say anything was improper.

I was just giving you another perspective from the business owner side of things. I'm a CPA. My operations/billing setup is a little different but, imo the concept I put out there still applies.

At the end of the day, you went elsewhere and I hope your new agent is a better fit for you. Have a good one.