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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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Why are insurance rates going up?

Why are insurance rates going up?

This is a question we are hearing more often than usual right now. If you haven’t had any tickets or accidents, rate increases can seem unfair.

There are many reasons for price increases such as supply chain disruptions, staffing shortages, inflation, more claims being turned in and courts awarding higher payouts on liability claims.
Here are some things you can do for your own risk management.

*Keep your home maintained to prevent water leaks and other losses.

*Consider installing a burglar and fire alarm.

*Drive defensively and follow the laws. Ask us about telematics that reward you for good driving.

*Encourage young drivers in your household to take driver’s education and maintain a 3.0 or higher GPA.

*Ask about higher auto liability. Companies may give a better rate if you have higher limits.

*Checking your credit yearly may help you identify any discrepancies in your report.

*Do not let your insurance cancel. Companies are increasingly declining to reinstate. If they do agree to reinstate, they may require payment in full.

How can we help?

In response to these challenges, we are making diligent efforts to check for credits you qualify for and making sure you understand the coverages you have selected. Just like the tides ebb and flow, this too shall pass. In the meantime, please reach out anytime with any questions or concerns.

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  • Washington


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