Secure Personal Renewal Review

• Show Empathy and Understanding

             As I check your account, I just want you to know that we

             don’t like seeing rates go up, especially for clients who

             haven’t filed any claims.

             You’ve probably heard that all insurance carriers in [Your

             State] are raising their rates this year more than usual.

             My own insurance just went up too, so I totally get it.

• At our agency, we’re always looking for ways to keep
• your rates as low as possible.
• Present Increase On A Monthly Basis

              It looks like your premium increased by $[X] per month.

• Explanation of Increase

             Based on what I’m seeing, your rate increase is due to

             [Specific Reason: recent claim, loss of discounts, addition

             of new drivers, etc].

• State-Wide Increases (if applicable):

             Insurance companies often adjust their rates based on

             how much they’ve paid out in claims over the year. In

             your particular case, it looks like the increase is due to a

             state-wide rate adjustment, which is affecting everyone

             in [Your State]. None of us like that, but let me see if we

             can lower your rate.

• Explore Options to Reduce Their Rate

              Let’s see if we can lower your rate.

• Bundle Home & Auto

              I noticed that your Auto and Home policies aren’t

              bundled, bundling them will give you a major discount.

              Let me run a quote for you to see what that’ll be.

• Rewrite Policy

             Let me see if I can rewrite your policy under a different

             carrier within our agency.

• Deductible Adjustment

              Another way we can lower your premium

              is to adjust your deductible, that’s what a

              lot of people do. We generally prefer not to

              increase deductibles, but it is one way to

              save on your premium. Let me calculate

              the price difference for you.

• Highlight Unique Value Propositions

               I wanted to quickly point out a unique

               coverage that’s included in your policy:

• Homeowners

              Enhanced water damage coverage

              Roof Replacement vs ACV

              Utility line endorsement

             Equipment breakdown coverage

• Auto

              Uninsured motorist

              Glass deductible 

              Enhanced roadside assistance

              Find Differentiators on their policy.

              Explain their coverages.

• Rationalize Paying More for Auto Policy 

             One Year Policy Locks Rate

             We always tell our clients that it’s

             important to have the right coverage to

             avoid high out-of-pocket costs later. Some

             carriers give the lowest coverage possible

             just to give you a cheaper rate, but that

             means you’ll pay more out of pocket when

             you file a claim, and we don’t want that.

• Thank Them Again

              Ask to take payments for the policies. 

              I really appreciate you being proactive

              and giving me the chance to review your

              policy, thank you!