Because you can! That’s right you do not pay your insurance agent the insurance company does.  For those of you that think your rate will go down if there were no agents WRONG.  Honestly do you think the insurance companies will just willingly give back premium NO.  Now that we are past that, you still need to think of this as your money.

Beyond insurance, do you willingly pay companies you do not like?  Do you willingly go back somewhere where you were dissatisfied with your experience? Ok so why do you keep accepting your rate increase?  Why are you not asking for more from the agent who has been making money off of you for 5, 10 or even 20 years or more?

FACT; All companies admitted to do business in the state of New York and beyond need to follow a set of rules that the state sets.  They also need to have a certain amount of money in reserves.

FICTION; Your loyalty, unless you pay extra, actually does something for you with your company

Just some thoughts for next time you hear ” Well rates are going up for everyone…”