04/24/2026
Aside from my hobby crocheting and making some good food, this is my full time career as an insurance agent:
11 Years, 3 Market Cycles, and 1 Constant: You Need an Advocate.
I started in this industry 11 years ago. (We also navigated Covid and Reform of July 2020.) Back then, "comprehensive coverage" and "tech-heavy repairs" meant something completely different than they do today.
Fast forward to 2026. The auto insurance landscape has undergone a total revolution. While we are finally seeing the massive rate spikes of the last few years begin to level off, the "new normal" is officially here. Rising repair costs and vehicle complexity have driven carriers to adopt a clinical, data-driven approach to risk assessment. What does this mean for you right now?
Stabilization isn't a "reset". Rates are flattening out (depending on the carrier), but they aren't dropping back to 2020 levels. Expecting a massive price drop without changing your strategy is a recipe for frustration.
Precision Pricing: Carriers are using more data than ever. If you haven't reviewed your profile lately, you might be paying for a risk level that doesn't actually apply to your current lifestyle. Think mileage, year of your car, is there a lien, can you afford to replace if it is totaled, etc.
The 11-Year Advantage: Iāve helped clients navigate the "easy" years and the "hard" years. My job isn't just to find a quote; itās to translate what these industry shifts actually mean for your bank account.
My Approach:
I (we at Elder - 90th year anniversary) believe in Education First, Quotes Second. If youāre looking at your recent renewal and wondering if itās on par, or if you just want to understand the "why" behind the numbers, letās chat. If I don't know the answer, I will find out! Let's be honest, we all want to pay less for our auto insurance. Please remember, we get what we pay for. Iām here to provide a sanity check and ensure you aren't leaving money on the tableāor leaving yourself under-protected. **Don't forget your home, camp, recreational vehicles, boats, and life insurance to protect the ones you love. Send me a DM or contact me at [email protected]
