Nice. It wasn't a "yo mamma" joke, but making fun of where I live is pretty close to the bottom of the barrel as far as insults go. At least you admitted defeat. Maybe you do make more than me, but I can promise you that my COI is less than yours. A lot less.
Since you're so smart, why don't you go get some quotes online. Put your name, email, and phone number and wait for all of the love that you're about to get. Where do you think those online sites get their quotes? From me. I pay a premium for them, but I -- along with every other independent agent out there, will be gunning for your business. Want to call Geico or Esurance? Have fun making a claim or getting someone to listen to your gripes about a bill. Did I mention that you'll be calling India for service? Again, you're so smart, enjoy. (By the way, I will beat all of their rates 90% of the time) One ten minute call to me will result in 30 to 40 quotes from different companies, and I know all of them inside and out. But you're so smart, you go ahead and get an online quote from that one company that also sold your info to 200 agents that will be contacting you shortly.
People make fun of insurance brokers? Wow. Ask me if I give a flying donkey ****. I went into my profession because I'm good at it and it works very well with my family obligations (see five days off). I think it is absolutely pathetic and very telling of the type of person you are that you chose your career because it was trendy, or because you didn't have the testicular fortitude to step out of the box. Great job, Downs, you're mediocre!