I am always amused that some think they can take care of something as important as your protection, and do it all in 15 minutes. Here at Frimark/Keller we feel your protection is more important than 15 minutes. I feel your future is more important than 15 minutes. Fifteen minutes might be the amount of time to buy something at the grocery store or to buy a pair of shoes. Your future, it seems to me is worth more. What happens if you have a car accident and get sued? That will have a bearing on what happens to you financially for years to come. Are you covered? What happens if you rent a car? Are you covered? What happens if you are upside down on a car loan? Are you covered? What happens if you drive someone else's car? Are you covered? And if so, for how much? These are a few of the important issues in discussing your car insurance. Fifteen minutes, I don't think so.