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Why do I have to pay higher rates when you have a rate increase? I didn't have a claim.

Most people don't plan to have an accident or submit a claim to their insurance company. And the fact is that for any given year most of our policyholders do not submit a claim. But, the reality is that accidents will occur and the costs to treat injuries and repair damage to vehicles are increasing. Medical costs increase, body shop labor rates increase, and the cost of repairing more expensive vehicles increase from year to year. These are just a few of the reasons insurance rates can increase.

You purchase insurance to protect you and your family in case you have an unexpected loss. Your premiums buy the peace of mind that you will not have to pay all the damages out of your pocket. It will cost the insurance company more this year to pay for your loss, if you have one, than it would have cost last year. Your premiums must reflect those higher costs.

At the same time, we are taking steps to minimize the effect these cost increases have on your premiums. We are taking advantage of our company size to negotiate preferred pricing, actively fighting insurance fraud, as well as using technology to make our process more efficient while improving the level of service we provide to our policyholders.

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