My Life Lessons

Never, ever, accept the first quote you get from an insurance broker or callcenter agent.

Their initial quotes are usualyl severely inflated, and you can often get them to drop it down quite a lot by playing the “Oh wow, that’s quite expensive, is there nothing you can do?” card.  Along with the “How long is that quote valid for?  I need to compare it to some of your competitors, I’ll phone you back.” card.