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As I have mentioned many times...ONLY buy leads in a very small radius around your office (maybe 15 miles or less).
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Care to elaborate on how you use insureme effectively?
These types of leads are just a little better than cold calling from a phone book.
Oh yeah, from the phone book, you are the first to call. From an internet lead, you are the 20th....
I can usually create and equal number of good and bad leads by door knocking and for a whole lot less. If you have strong legs and good feet this still works. Just carry a bunch of index cards with you. Get the street address from the mailbox and then all you need is a name and phone number when you attack them at the door. Oh and sometimes you get a sale because the timing just happened to be right!