You may have seen his commercials - "I'm Rob Lowe, and I'm here to save you money!"

I'm not Rob Lowe, but I've been saving people a good amount of money for ~5 years here, so I guess I can say I'm saving you money. The commercial drives me crazy, as it does a lot of other people I have talked to. I still really like Rob Lowe somewhat, so this hypothetical conversation is a fun way to work through a personal issue. <br><br>&#x200B;<br><br># THE HYPOTHETICAL CONVERSATION<br><br>My wife introduced me to a new co-worker, and we struck up a conversation. It turns out we are both from the same state, live in the same area, and both just moved here from the same location in the US. It's a small world. He found out that I worked in finance and asked: "Hey, do you know how to get the best deal on your car insurance?"<br><br>That was all the conversation Rob Lowe needed to interrupt, "I'm Rob Lowe, and I'm here to save you money!"<br><br>"No, no, no", I said, "I know all about Rob Lowe. I've seen all his commercials, and I know that if I get auto and home insurance from him, I'll save 15% or more."<br><br>"No, no, no," Rob Lowe responded, "I know all about Rob Lowe. But do you know about GEICO?"<br><br>"Yes, of course", said our co-worker, "but I have a good agent. He always goes to bat for me when I make a claim."<br><br>"That may be", I responded, "but we are in our 30's, so we don't get claims very often. Our agent just relies on the claims adjuster to settle the claim."<br><br>"Well, I've been with him a long time", our co-worker said, "he always takes care of me."<br><br>"Yes, I said, "but have you noticed that your insurance premiums start to rise as you get older? I think we're paying just as much for our insurance now as we are for our car loan."<br><br>"Well, I'm older than you two", our co-worker said, "but still younger than my agent".<br><br>"Well, then our agent is going to keep raising your premiums, and will probably never stop unless you stop going through him", I responded. "Why don't you just go through GEICO, then you'll always know exactly how much you are paying for insurance, and you'll be paying the lowest rate."<br><br>"But I like my agent", he said. "He takes care of me."<br><br>"How do you know that he takes care of you?" Rob Lowe asked. "Have you ever even dealt with a claims adjuster?"<br><br>"No", responded our co-worker, "but we've been with him a long time. He's like family to us".<br><br>"Well, if you like him so much, why don't you just give him your money, and let him decide what he will do to help you in return?" I asked.<br><br>"No, I'm not going to do that. That's ridiculous", our co-worker said.<br><br>"Really?" I asked. "Then how is that different from paying him thousands of dollars a year to get insurance?"<br><br>"I don't know", he said. "I just like him, and he takes care of me".<br><br>"Well", I said, "I don't like him, and I don't want you to pay him anymore money either. But I guess it's not my decision, so we'll just agree to disagree."<br><br>"But I'm Rob Lowe", he said, "and I'm here to save you money. Don't you trust me?"<br><br>"No", I said, "I don't trust you at all. I don't even know you. Why don't you just let our co-worker decide for himself?"<br><br>"No, I'm Rob Lowe", he said, "and I'm here to save you money. I'm going to go ahead and buy you a GEICO insurance policy right now."<br><br>"But how are you going to pay for it?" I asked.<br><br>"I'm just going to give them the money to pay for it, and trust them to use it to pay for your insurance", Rob Lowe said.<br><br>"But how are you going to pay for it?" I asked again.<br><br>"I'm going to pay for it with all the money that I have", Rob Lowe said. "I'm a rich guy, I can afford it. But you two aren't rich. You should just pay for your insurance directly and stop paying your agent."<br><br>"I don't know", our co-worker said. "I've been with him a long time. You two are just guys I met. Why should I trust you two?"<br><br>"Well", I said, "I'm not Rob Lowe, and I'm not here to save you money. But I do know more about insurance and personal finance than Rob Lowe. So I think you should trust me instead of him."<br><br>"But I'm Rob Lowe", he said, "and I'm here to save you money. Just trust me."<br><br>"No", I said. "I'm not going to trust you, Rob Lowe. And I don't think our co-worker should either."<br><br>"Well", Rob Lowe said, "then I'm going to go ahead and buy you an insurance policy from GEICO. And I'm going to pay for it with all the money I have."<br><br>"No", I said. "You're not Rob Lowe. You're just some schmuck who interrupted our conversation. So I'm not going to let you buy insurance for our co-worker."<br><br>"Well", our co-worker said. "I don't know who to trust, so I'm just going to go ahead and buy the insurance policy from GEICO myself."<br><br>"That's a good idea", I said. "Then you can save 15% or more on your car insurance. Plus, you'll know that you're not paying thousands of dollars a year to some agent who isn't actually doing anything for you."<br><br>"That sounds good", our co-worker said. "I think I'm going to go ahead and do it".<br><br>"Fine", Rob Lowe said. "You two can just go ahead and save money then. I'm going to go take a chiro day."<br><br>"That sounds good", Rob Lowe responded, "because you are a chiropractor."<br><br>"No, I'm not a chiropractor", Rob Lowe said. "I'm Rob Lowe, but I'm also a chiropractor."<br><br>"No", I said, "you're not Rob Lowe, and you're not a chiropractor. You're just some guy who interrupted our conversation. And you're definitely not a chiropractor, because you're not even a real doctor."<br><br>"WTF?!", our co-worker exclaimed. "You're not even a real doctor? Then why are you always talking about being a doctor?"<br><br>"I'm not always talking about being a doctor", I responded. "I'm just a normal guy, and I want to be a doctor someday. Just like Rob Lowe."<br><br>"No", Rob Lowe said, "I'm a doctor, and I'm going to go take a chiro day."<br><br>"No", I said, "you're not a doctor. And you're not Rob Lowe. So I think you just need to go ahead and fuck off."<br><br>"Well, this conversation is over", our co-worker responded. "I'm going to go buy my car insurance from GEICO, and I'm going to start saving 15% or more. And I'm going to stop talking to both of you."<br><br>"That sounds good to me", I said. "I'm sick of dealing with Rob Lowe, and talking about insurance."<br><br>"Yeah, me too", our co-worker said.<br><br>"I'm Rob Lowe", Rob Lowe responded, "and I'm here to save you money. But I'm also a chiropractor, and I'm going to go take a chiro day."<br><br>"Whatever", I said. "I'm not Rob Lowe. But I'm also going to go take a chiro day."<br><br>"No", our co-worker said. "I'm going to go buy car insurance from GEICO. And then I'm going to go take a chiro day."<br><br>"Well", Rob Lowe said. "Then the conversation is over."<br><br>"Yes", I said. "Then the conversation is over. Goodbye, Rob Lowe."<br><br>"Goodbye", Rob Lowe responded. "I'm Rob Lowe, and I'm here to save you money. And I'm going to go take a chiro day."<br><br>#<br><br>EDIT:<br><br>This is a fictional story. I put it together from a few dozen or so discussions I've had over the years, but I don't think I've ever had this exact conversation. I'm Rob Lowe, and I'm here to save you money.