Does buying a new car increase my rates? Not always.  The entire industry of insurance uses predictive modeling to understand the risk to premium ratio to create profit while remaining financially competitive with the client. Depending on the vehicle, and…

Who should be listed on an auto policy? Typically insurance policies list covered parties as a family member who is related to the named insured by blood, marriage, or by law.  This definition is often overlooked in the most recent…

Ummm how do I pay you? When we onboard new clients, we often spend quite a bit of time getting to know the client.  This helps us understand the risk, their needs, and build policies around the client.  Sometimes the…

The dirty secret behind low rates that marketing companies don’t want you to know about. Insurance companies love to offer coverage.    In fact, there are so many endorsements that are never used that most companies end up rewriting them…

Let’s talk about why homeowners rates are going up in 2021. The short and sweet version is that COVID has caused the price of building materials to SKYROCKET.   Now let’s get into the details on what is causing these rates…

    I am ALWAYS a fan of large platforms educating their viewers, especially when it comes to the exciting world of insurance.  My issue comes from BAD information from “experts”.  In a recent article posted by Foxbusiness.com titled “Your…

Let’s first make sure we are all on the same page! Aftermarket parts are produced by another company that isn’t your manufacturer.  So if GM or Toyota produces a part, other companies will create a similar product at a discounted…