I have 16 years of sales experience in the insurance industry. I’m based in the Northeast. The job I currently have has a high base pay around $68k but they have switched to a captive agency so our sales and commissions are rapidly decreasing. I have been here for 13 years and this is the worst it’s been. The company we write with has very strict underwriting guidelines for home insurance and their auto rates are very expensive for most clients. When they do come in cheap, we usually end up selling a low premium standalone/monoline auto policy which is a small boost but not much because they switched our pay structure from being based on policy count to being based on commission. We work in an agency office so we’re expected to do a lot of customer service and DMV paperwork in addition to just sales
I’m being offered a fully remote job at a Allstate agency in GA which has lower base pay, around $42k; but they still pay based on policy count and have a generous commission structure. I also would not be expected to do any customer service. I would need to sell about 55-65 policies a month to make roughly the same or exceed what I’m currently making. I have previously made and even exceeded those numbers regularly at my current agency before it went captive and switched to the premium based system, all while fulfilling those customer service requirements.
The agency owner and manager seem very nice and helpful and confident in me because I have insurance knowledge I’m usually pretty charming and charismatic on the phone But do you all think Allstate is competitive enough in GA for a remote personal lines auto and home for an experienced insurance agent to put up 55-65 polices a month, with little to no customer service requirements? From past experience I also feel like potential customers in GA are generally a lot nicer, polite and more friendly than the more blunt customers I have dealt with in the Northeast. But I also know them being nice and polite won’t mean much if my auto and home quotes will consistently be much higher. I always go for the bundle (renters, condos ,homes) every time. But I want to make sure GA isn’t a total hostile price territory for Allstate.
I know the vast majority of people shopping for quotes online are only trying to save money. Especially in this economy with all the inflation we’re seeing
Thanks in advance for any feedback and opinions. Appreciate you guys and gals!!