New agents often struggle not because they lack knowledge — but because they don't know what to say. The right words at the right moment are the difference between "no thanks" and "let's do it."
The Cold Call Script
"Hi [Name], this is [Your Name] — I'm an independent insurance agent in [Area]. I help people save money on auto and home insurance by shopping 50+ carriers instead of just one. I'm not asking you to switch anything today — I'm just wondering if you'd be open to a free comparison to make sure you're getting the best deal? It takes about 5 minutes."
Key elements: Name, location, value (50+ carriers), no pressure (not asking to switch), low commitment (5 minutes).
The Referral Ask Script
"[Client], I really enjoyed working with you on your coverage. I build my business on referrals from happy clients — is there anyone in your life who might benefit from the same kind of insurance review? A friend, family member, or coworker? I'll take great care of them, just like I did with you."
When to use: After every new sale, after a positive claims experience, at every renewal. Make this part of your daily routine.
The Cross-Sell Script
"Hey [Client], I noticed we only have your [auto/home] with us. I actually have access to 50+ carriers for [home/auto] too — and when we bundle them together, most people save 15-20% on both. Want me to run a quick comparison? It only takes a few minutes and there's no obligation."
The Renewal Check-In Script
"Hi [Client], your [auto/home] policy is coming up for renewal on [date]. I wanted to review your coverage before it renews — make sure nothing has changed in your life that affects your protection, and check that you're still getting a competitive rate. Do you have 10 minutes this week?"
Handling the 7 Most Common Objections
1. "I'm happy with my agent."
"That's great — having a good agent matters. I'm not asking you to leave them. I just want to make sure you're getting the best rate. Would you be open to a free comparison? If they already have you in the best spot, I'll tell you that."
2. "I don't have time."
"Totally understand — that's actually why I called. I can do the comparison myself with just a few pieces of info. It takes 2 minutes on the phone, and I handle everything else. When would be a good time for a quick 2-minute call?"
3. "My rates are fine."
"That's great to hear. Rates change every 6 months though — carriers adjust constantly. A quick check ensures you're not overpaying without realizing it. It's free and takes 5 minutes. Worth a look?"
4. "I just renewed."
"Perfect timing actually — now I have a full year to find you the best rate before your next renewal. Let me run a comparison now, and if I find something better, we'll have it ready when your current policy expires. No disruption."
5. "Send me a quote."
"Happy to — I just need a few quick details to make sure the quote is accurate. Can I ask you 3 questions? [Get their info.] I'll have options for you by [specific day]. What's the best way to reach you — call, text, or email?"
6. "Your price is higher."
"Price is important — but coverage matters too. Let me compare apples to apples. Sometimes a lower price means lower coverage limits or higher deductibles. Can I see your current dec page so I can match the coverage exactly and give you a true comparison?"
7. "I need to think about it."
"Of course — this is an important decision. What specifically would you like to think about? [Listen.] I want to make sure I've addressed all your concerns. Would it help if I [send a summary / compare specific options / call you in a few days]?"
Bottom line: Scripts aren't about being robotic — they're about being prepared. Internalize the key phrases, practice until they feel natural, and you'll handle any sales situation with confidence.