Published by RGC Insurance
- Driver roster true? New teen licensed, graduate moved out, ex removed — roster errors cost both directions.
- Vehicles & usage current? Sold the truck, new commute, job gone remote — usage classes move premium.
- PIP still paired right? Health plan changed at open enrollment? The PIP election should be re-checked against it.
- Collision types per vehicle. Broad where it matters, Limited on the aging spare — the three-flavor decision, per car.
- Deductibles earning their keep? Higher deductibles on both comp and collision compound savings annually.
- Violations aged off? Tickets exit rating windows silently; re-rating is a request away.
- Discount sweep. Paid-in-full, paperless, multi-car, good student, safety gear — verify all applied.
- The market check. Same coverage, every carrier we represent, side by side. The step that finds the real money.
Customers: this runs automatically at your renewal. Everyone else: bring one renewal notice and see what a real review looks like.