How often should I shop my insurance with my independent agent?
This depends on your personality, claims history, and market conditions. Generally speaking, we recommend our clients take a hard look at the market at least every 3 years to make sure they are accessing the best and most current options available to them. Underwriting appetites change frequently these days among carriers, so it is wise to review your policies every few years for changes and coverage alternatives. If you have several recent claims, you may be limited in the short term and could be better off waiting until the claims roll off your record before shopping.