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101 N Ivy St
Canby, OR 97013

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Oliver Insurance Blog

Understanding Rate Increases

As we settle into 2023, we’d like to address the rising cost of insurance. Unfortunately, the auto & home insurance industry is not immune to the current domestic challenges – think rising inflation, labor shortages, environmental disasters, supply chain issues and more. The trickledown is here. We could spew all sorts of data, numbers and statistics your way. But, quite simply, for a whole host of reasons named above, it costs more to replace and/or repair our cars, homes, and properties. Their values have increased, making them more costly to insure. Seeing a rate increase at renewal is a very real scenario.

We understand the frustration of seeing a rate increase upon renewal – especially when you haven’t had a claim or an accident.

Our team is proactively working through renewals and rate changes. Our goal is keeping you properly insured at a fair and competitive price. Your best interest is in our best interest.

How we are addressing substantial rate increases …
1) Identify any discount opportunities you may not be taking advantage of
2) If needed, quote multiple insurance carriers so you can see your options with regards to premium/deductible/discounts.
3) Use our industry knowledge to help you select the right coverage and policy for your unique situation, helping you avoid being caught under-insured (yes – that IS a thing).
4) Continue to partner with quality insurance carriers who have a proven track record of superior customer service, reliability, and longevity.
5) Remain a people forward agency, where if you want/need to talk to a real live Oliver Insurance team member, you can and you will.

It can be tempting to jump ship and find a “less expensive” online option. We’d like the opportunity to help first. If we can’t offer a comparable, price competitive option, we will in fact, tell you that. No smoke and mirrors here.

We are available (in person, on the phone or via email) to work through any concerns you might have. Thank you for your business and trust in our agency. We look forward to a long partnership helping protect what matters to you!

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