Rate Increases Explained..


Welcome back to the much anticipated HIA blog!  I say that with a great deal of humor involved because this thing called the Internet and Social Media seem to be the GO TO place  for all important things to know. I find it amazing to see what information is available at the ease of a click and wham!  You got what you need!  Or do you….?????   We have all heard fake news stories and other inflated internet stories, so sometimes what you read, may not be what you really thought….or worse…thought you needed??


Heuer Insurance Agency has been around since 1929.  We wouldn’t still be here if the buying public hadn’t seen the value of using an Independent Insurance Agent  as their Trusted Advisor in the crazy world of Insurance all those years.  Today’s insurance contracts are more limited, more confusing, and more difficult for the average consumer to understand than ever before.  To make matters worse, those same insurance contracts are WAY more expensive than they ever have been, and hint, they aren’t going to get any cheaper in the future!  Why you ask???  Surprisingly it isn’t because of the profits taken to those ivory towers we have all heard about…  Trust me on this fact and let’s get past this thought process.  So, why are the rates really going to increase?  It’s not attractive but the reasons are exactly what you buy insurance to protect you against. The primary expenses claims adjusters see are medical bills, attorney bills, body shop invoices, car rental reimbursements and various construction estimates which can all be involved in a single automobile or property claim.  Do you think ANY of those industries are charging insurance companies LOWER rates today?  Not hardly folks.  So as long as those costs continue to sky rocket, the pure cost of insurance is going to continue to rise.  In addition to the cost of claims, the industry is seeing more new cars purchased,  more miles driven, and a higher frequency of claims involving speed and death.



So what can you do about that sobering fact??? My sincere advise is this…when you get your renewal increase, take a deep breath and think about your insurance and your relationship with those trusted advisors that brought that insurance product to you.  Have you had a claim, how did it go?  Did you have a question about insurance and call our office for first hand human advice?  How did that conversation go?  Was the agent helpful, sincere and polite?  If you called the office about a rate concern, was the highly trained staff at Heuer able to help?  Was it nice to be able to sit at a local agent’s desk and talk one on one about rate concerns?  Did that Agent point out options for you that brought the price back into the acceptable range?  Did that Agent give you TRUSTED advice on ALL of these issues that were important to you?


If the answer was YES on any of those issues, we sincerely ask you to consider those same concerns and comments when it comes time to pay that expensive insurance renewal.   In today’s world, you can buy your insurance on line, or at a swap meet, but is it really your best option in today’s difficult world?  My advise after a lifetime of being in the insurance industry, and being PROUD of all 88 years for what the industry does for the citizens of our Country,  is to shop around if you don’t think your local agent has earned your renewal.  Hopefully you will see that our prices are in line with the industry as a whole.  Most Independent Agents can tell you historically we haven’t been the cheapest insurance on the street for almost 200 years….but NO ONE can stand up to the advise we give our clients, day in and day out!  If you are happy with what your Trusted Advisors at Heuer Insurance have done for you, and appreciated their advice, call em and tell them!  Trust me again….they will be thrilled to hear from you.


Above all, THANK YOU  for all the years Heuer Insurance has been your Trusted Advisor, we can’t thank you enough!

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