The 10-point rate review
- Vehicles still rated right? Commute miles change, jobs go remote, the third car became a fair-weather toy. Usage classes move premium.
- Every discount applied? Paid-in-full, paperless, multi-car, good student, safety equipment. Carriers don't retro-add what nobody asked for.
- Deductibles doing work? $100 glass-era deductibles on today's premiums rarely make sense.
- Old cars, old coverage? Collision on a $3,000 vehicle sometimes costs more than it can ever pay back. Do the math on purpose.
- PIP level still matched to your health plan? Health coverage changes reopen this — both directions. Rules here.
- Work loss waivable? Retirees can often exclude PIP work loss and save.
- Household right? Kids moved out, an ex still listed, a licensed teen not yet rated — roster errors cost money in both directions.
- Bundle assembled? If home, renters, or toys live elsewhere, the multi-policy math is being left on the table.
- Violations aging off? Tickets fall off rating windows; nobody re-rates you automatically. We do.
- And then: re-shop it. If your carrier's best price after all of the above still loses to a competitor's, that's not a discount problem. It's a carrier problem.
Bring us a renewal notice and we'll run this whole list against every carrier we represent. It takes one conversation, costs nothing, and the worst case is confirming you're already well-placed — which is worth knowing too.