Me: “Alright, ma‚Äôam, have had any accidents or violations in the last three years?”

Customer: “I don’t know.”

Me: “Well, do you remember getting pulled over for any reason?”

Customer: “I already told you, I don’t know. Now, how much is the insurance?”

Me: “I’m sorry, ma‚Äôam, but before I could know what the rate is, I have to know what your driving history is.”

Customer: “What does it matter? Just throw on a speeding ticket or two and call it a day!”

Me: “Okay. I can do that, but just keep in mind that the quote is only based on the information you provide. If your motor vehicle record comes back different, that could drastically affect the rate.”

Customer: “Yeah, yeah, yeah. What is it?”

Me: “It comes out to $106 a month.”

Customer: “Fine! I’ll take it.”

(I then go to run the reports since she is ready to purchase the policy and find out she has had 2 DUIs in the past 3 years, 2 speeding tickets, one accident, and a suspended license.

Me: “I’m sorry, ma‚Äôam, but the rate is now $486 a month. I would have been able to give you a more accurate quote if I knew about the DUIs.”

Customer: “Oh. Well, I thought you just meant speeding tickets. I didn’t realize that DUIs counted. I mean, I wasn’t even speeding when I got them!”