Sounds fishy

Lately, I've been getting phone calls from some telemarketers pushing me to get things like cheap car insurance quotes, hospitalization plans, personal loans etc etc. Most of these emphasize their benefits, which sound great on the phone. But I am not one to immediately sign up, there and then as they would want me to do (claiming that only a select few are invited, but we HAD to ACT FAST! I would rather study the whole thing first and read the fine print. I do not want to pay for something impulsively, especially since this involves monthly payment through the credit card. Sounds fishy to me! Scam? What do you think?