I agree with the earlier response. In P&C sales, you either add value, or you have to sell something else to make it worth in the long run. If you just compete on price for personal lines, you will eventually lose the business to google. You really don't want to build your agency with people who are willing to lie to the insurance company anyway. In the long run, they cost you more. These type of people don't refer good prospects either so think about your marketing/prospecting plan.