Any mention of the word insurance is fifty bucks, I don't care if it's wind,lightning or car damage it's fifty bucks up front and no discounts or knock offs if we get any work out of it. I've been on too many wild goose chases over the years, and litterally been cheated out of work, can't make a living on broken promises that you will get the job and then nothing comes of it.
Value loss type ins. work $100.00 because a more detailed report is required for this type of work.
Keep charging for those estimates fuel and stationary cost money and your time is worth something. The very mention of charging for estimates seperates the shoppers from the buyers right off the bat.
Next year I might start charging for local estimates because our area is getting transplants that have the attitude that all the people in the phone book are a commodity type tree services. I downsized our phone book ad last to discourge shoppers, next year I might just have a listing only. Referral work is the best way to go, let the other guy work for nothing, there is no rule that says you have to.