The following is a “snapshot” of general attitudes expressed by these focus group participants:

• Although individuals in the Gen Y age group use the Internet to price purchases, there is often a preference to buy locally.
  
  
• When making insurance purchasing decisions, in general, many Gen Y individuals believe it is important to speak with an individual who is knowledgeable and informed about the product.
  
  
• Although most Gen Y individuals would use the Internet to “shop” for insurance, they also believe it’s important to speak with an individual who is knowledgeable and informed about the product.
  
  
• Gen Y individuals see an agency’s website as a “virtual” representation of the agency itself and evaluate the agency accordingly.
  
  
• Gen Y individuals want to use an agency’s website to submit information which will lead to a price quote.
  
  
• Gen Y individuals value 24 hour (not necessarily real-time) turnaround for comparative quotes and choices for the way in which an agency responds with their quotes.
  
  
• Although most Gen Y individuals would use the Internet to “shop” for auto insurance, they still place a high value on person-to-person contact.
  
  
• Gen Y individuals would like comparative quotes followed by person to person contact by phone.
  
  
• While Gen Y individuals prefer using the telephone as a preferred method of contact with an agency for service after the sale, they also want to have choices for that contact.
  
  
• Gen Y individuals believe that text messaging and instant messaging are impractical methods of communication with an agency for service after the sale.
  
  
• Although Gen Y individuals generally prefer the US Mail for receiving their policy documents, many would prefer being able to choose receiving an e-mail with attachments.