Kari Hargrave is the definition of grit, creativity, and community. From launching a scratch insurance agency in a town with no stoplights to bagging groceries for free just to meet people, Kari’s story is a masterclass in hustle, heart, and doing things differently. In this conversation, Scott and Kari unpack what it really takes to build a business, a brand, and a life you’re proud of—without losing your humanity along the way.
💡 What you’ll learn:
This episode is full of laughs, lessons, and real talk from one of the most inspiring agents in the game. Don’t miss it!
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Episode Markers:
(0:00) - Scott's Intro
(1:15) - Welcome + Kari’s Energy and Background
(2:15) - Starting an Agency from Scratch (Literally)
(10:30) - Early Hustle: Grocery Bagging and Grassroots Marketing
(12:30) - Serving the Hispanic Community and Building Loyalty
(16:00) - Marketing That Still Works: Handwritten Cards and Schools
(19:15) - Onboarding, Expectations, and Communication Preferences
(23:15) - Working with Younger Generations & Hiring for Hustle
(27:15) - Traits Kari Looks for in New Hires
(31:15) - Launching a True Crime Podcast and Winning a Webby
(35:15) - Starting Ringleaders: A Business Built to Solve a Real Problem
(39:15) - Female Leadership, Customer Experience, and Team Support
(41:15) - Rapid Fire Questions & Final Thoughts
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Scott Grates' Links:
Referrals Done Right Book Pre Sales - https://www.referralsdonerightbook.com
Referrals Done Right FB Group - https://www.facebook.com/groups/296359076662332
Insurance Agency Optimization - https://www.agencyoptimization.com
Scott Grates Website - https://www.scottgrates.com
Love Living Local - https://www.instagram.com/lovelivinglocal315
Scott's FB - https://www.facebook.com/scott.grates.1
Instagram - https://www.instagram.com/scottgrates
TikTok - https://www.tiktok.com/@scott.grates
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Kari Hargrave's Links:
FB - https://www.facebook.com/KariHargraveAgency
True Texas Crime Pod - https://open.spotify.com/show/0ct7Pu7GIgyWj3IF7y2b6L
