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I'm switching over to Vtiger because it integrates with my dialer. It's a bit of a learning curve coming from Radius. ( I think radius is a more out of the box set up for insurance agents)Have your tried any open source CRM's such as vTiger, Sugar, or SuitCRM?
Those are open source not loss leaders for a company that is public but is a big loser as far as profit. That makes me think they will getcha at some point. And since their other stuff is not cheap that would worry me.