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Everyone Loves a Discount

September 3, 2009
Chris Garlasco, Owner & Managing Partner - Founders Insurance Group

Chris Garlasco, Owner & Managing Partner - Founders Insurance Group

Like most people, I love a good discount. It’s a small victory in the battle for my hard earned bucks. The attraction to a good discount is not lost on the marketing and sales departments of insurance companies. There is an onslaught of television ads from various insurance companies offering their wide range of discounts, often leading the viewer to believe that these discounts are unique to that particular company.

The fact of the matter is that most discounts are similar from company to company. The “multi policy” discount, the “safe driver” discount, the “good student” discount, the “security and alarm discount” are some of the discounts that most companies have in common.

There are a few discounts that seem to make little sense. These discounts are usually unique to a particular company and are often used as a gimmick to manipulate the rates. A couple of my favorites are the “seat belt” discount and the “no wood stove discount.” In our state, the law says that you must wear a seat belt. This company gives the customer a discount for what amounts to following the law! Another company gives a discount for not having a wood stove in your home, something to keep in mind while building your new home in one of our many cities.

There are companies that advertise so many discounts, that one could be led to believe that the policy is practically free!

As a trusted insurance advisor, I have compiled a short list of discount recommendations that I am hoping to persuade my insurance companies to take into consideration. Here they are:

  1. The “no text messaging while driving” discount. A reward for those that can drive without thumbs.
  2. The “no smoking in bed discount,” because smoking is healthier while awake.
  3. The “applying makeup while driving” discount, especially for those that have mastered applying eyeliner while avoiding oncoming traffic.
  4. The “couch potato” discount, for always being home to protect the house from intruders.
  5. The “minimum alternative” discount, for those that have too many discounts.

Ask Founders to handle your insurance portfolio and we will assure that you get all of the discounts for which you are eligible that are available. Mention that you saw this blog and receive the “I survived the Founders Forum” discount!

Have a great day!

Chris Garlasco

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2 Comments leave one →
  1. September 3, 2009 9:27 am

    Love this article! Very funny. I think I may even qualify for most of these discounts.

  2. September 3, 2009 9:31 am

    Chris, great post. I like it when we can poke fun at our industry. Don’t forget to ask for the “shaving while driving discount” that goes along with the makeup discount.

    My husband asked the other day if every auto insurance company that advertises on TV can save us several hundred dollars over all the others, why are we paying for auto insurance at all. Shouldn’t it be free by now?

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