How We Quote

We quote every insured manually with every insurance carrier that we have contracts with.

We have used comparative raters. We would quote every insured directly with the insurance carrier in the carrier's system and in the comparative rater linked with the carrier. The rates always came back higher in the comparative rater and eligible discounts were always missing too.

As an agency with a large number of contracts and direct access to many different insurance companies' systems, we know how different systems can be. Comparative raters just can't seem to maximize the potential of multiple different systems simultaneously.

When we know each carrier, their system, and their underwriting, we can not only get better rates for our clients, but we can know that we have obtained the best possible rate from every carrier that we quote give the clients circumstances and desired coverages.

Comparative raters are slightly faster and require less work for us, but our clients have to pay the price for us to have that luxury. We put in the extra effort because a few extra minutes of our time could be the difference between a few hundred dollars for our clients.