Agent Blog
Doug Hartley
I love to praise people or companies for doing the right thing. Sometimes I like to rant about an issue related to my insurance profession. I always try to see both sides and stay positive. Email or text me a topic you'd like me to cover. I'd love to hear from you.

I’ve had tens of thousands of customers come and go over the course of my career. Some stay a month; others stick around for 20 years. Whatever your insurance need, I’m happy to help for as long as you remain. However, be aware that switching insurance or lapsing your policy too frequently will affect your future cost.

Insurance companies now track how you pay your insurance premium, how often you switch your policy from one company to another, and how often you cancel your insurance mid-term. They assign an insurance score to this behavior just like a credit score. The higher the score, the more desirable you are to them, and they will offer you better rates—the lower the score, the higher the rate.

If I advise you to purchase adequate coverage limits at a specific price, there will always be an agent or company that will come behind and promise to insure you for less. Question the coverage. Request a comparison of coverages and premium per limit. I’ve had customers switch for $5 only to find out the new agent sold them half the insurance coverage. Come on back.