Rate Increases Are Coming!

With everyone getting back out on the roads, many insurance companies in Georgia have already filed a rate increase with the Department of Insurance. So what does that mean for you, the average consumer?

Rate Increases Are Coming

Once those filings have been reviewed and signed off, you will start seeing higher auto and home rates at your next renewal. When any insurance company starts paying out more in claims there typical response is to increase rates for new and existing customers. Typically the existing customer will see a smaller increase than a new customer switching over to that carrier, but there is still going to be a state-wide level increase regardless. 

What can you do about these increases?

The best thing to do is start shopping your rates around to make sure you are still getting the best possible price AND coverage for your specific situation.
**A warning I will give you, as I have seen it hundreds of times over the last 18 months, is to not get fooled into slashing your coverage's when switching carriers.**
When you get a quote, the safest thing you can do is to have your current declaration pages available to compare with. Since the onset of COVID, so many people have dropped from 100/300 in liability coverage ($100,000 per person/$300,000 per occurrence) to the state minimum of 25/50 in Georgia. Whether the agent who wrote that policy explained that to you or not is a big deal for two reasons.

1. Your "agent" didn't care about making sure you were properly protected and just wanted to get a sale (commission).
2. You were trying to lower your monthly costs while not driving as often, which is understandable. But now that you are back on the roads, you are in a serious position to be out of pocket or have a lawsuit filed against you if you get into an accident!

We take protecting families seriously. And our role is to be an advisor, not a salesperson. We find out what your specific needs are and make sure to give you options based on that, not a 'one-size-fits-all' policy that could leave you vulnerable. Additionally, if we are not the best fit right now, we will be the first ones to say so. No slimy sales tactics or high pressure junk. Because in the insurance world we know that just because it may not be the best right now, doesn't mean it never will. As your life and situation changes so do your insurance needs, and we are here to serve you and show you the level of service you should have been receiving all along from your agent.
Being a veteran, my first concern is treating people right and at the very least explaining how your policies work so you walk away with a better understanding. If we are able to help you and are entrusted with protecting your family, you become part of our family. And there is nothing on this earth that will stop me from making sure you get treated the way you should and are taken care of when you need us the most. So please feel free to reach out anytime and we will gladly answer any questions you may have and even give you a free policy review so you know what your current policies cover (and more importantly, what they DON'T).

Want to make sure you have the right protection for you family? Call us today at 678-719-0678 or click or scan the QR code below to get a free quote. We make sure everything is set up correctly up front so you never have to worry when something happens!

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You have nothing to lose. So get your quote today and see the level of service you should be receiving from your insurance agent!