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Hometown Insurance Agency of Utah Blog

All You Ever Wanted to Know About Insurance

Why do insurance rates increase? Is there a way to lower my rate?

Why do insurance rates increase? Is there a way to lower my rate?

Like with most products/services insurance rates tend to fluctuate. This can happen for various reasons such as:

Some key auto insurance factors are:

  • More distracted drivers due texting, phone calls, etc.
  • The cost to repair damaged vehicles due to the increase in technology
  • More cars on the roads
  • More injuries and fatalities, increased cost of medical and lawsuits
  • Longer commutes make for increased risk in fatigue

Some key home insurance factors are:

  • More severe weather with higher costs of damage to property
  • Larger and more expensive homes
  • Increased labor and material costs for repair
  • A higher cost of claims
  • Increased cost of liability and lawsuits

BETTER CREDIT?  Credit Scores affect interest rates on loans AND most insurance premiums too! Most consumers don't realize that their credit affects their insurance premiums, the better the credit, the lower the insurance premium! 

Do you need help with your credit? We have just the tool for you! ScoreNavigator® has many useful credit tools and tips to help you better your credit, here is just a few things it offers:

1.     ALL 3 Credit Reports and Scores!

2.    Point Deduction Technology®/Tradeline (it literally tells you if you are losing any points on any of your tradelines, how many points you are losing and how to get those points back)!

3.    Target Score Simulator® and Manual Score Simulator

4.    Money Simulator

5.    Short & Long Term Recommendations

6.    Credit Education, Advice and Testing and MORE!

Take control of your credit with ScoreNavigator® Other things you can do to help improve your credit are:

1 - Pay your bills on time.

2 - Keep your credit card balances low and pay them in full each month.

3 - If you don't have any credit cards you can apply for up to 2 secured credit cards, per person on our website! These report to each of the 3 bureaus monthly to help you build positive credit and payment history and there is NO minimum credit score required!! Bonus! Just click this link to get started https://apply.firstprogress.com/go/hometownins/select/

4 - Don't consistently have your credit pulled throughout the year, be cautious as inquiries do play a small role in your credit scores.

5 - Try to avoid co-signing on loans, credit cards or other types accounts with others. If the other person makes a late payment or doesn't pay at all it can negatively impact your credit too and you will be just as liable for any money owed as the other person that signed.

Happy Credit + Good Insurance = Happy You!

Hometown Insurance Agency of Utah is located in downtown Logan, Utah (Cache Valley) and prides itself in helping others, not only save money on their home, auto other other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance is about insuring what matters! And if needed, we can make a house call. We have clients with small children and elderly clients that feel better about meeting in person at their home and if that what it takes to help them out, then that's what we'll do. We've traveled from Preston, Idaho to Layton, Utah to make a house call when needed, some we've even delivered homemade cookies to! Like we said, our clients become our family and that's what makes Hometown Insurance Agency of Utah special!

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321

435-754-7701

Email: jill [at] hometowninsr [dot] com

Website: www.hometowninsr.com






















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