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There’s an open secret among most service providers, from internet and cellular companies to insurance carriers and beyond – they thrive on consumer complacency. These companies understand the hassle of researching new plans and options and how hesitant most people are to switch once they find something they believe is working. In fact, JD Power reports that only about one-third of auto insurance policyholders shop around each year.


First, the simple truth is that no one’s going to look out for your best interests better than you. If you’re not actively searching for better deals, you can easily wind up paying more than you should for coverage. Second, once you get lulled into the routine of paying your premiums, it’s easy to overlook factors that might change your coverage needs. For instance, your home’s value may have appreciated significantly since you bought it, but still be covered only for the original price. Or, as your car has depreciated over time, you may not require as much coverage.

These are just a few of the reasons it’s a good idea to regularly revisit your insurance policies to ensure you’re getting the best rates.


Don’t just assume that your current policy is addressing all your needs. At least once every year, you should perform an audit of your insurance policies. Look at your homeowner’s and auto policies to determine what coverage you have and compare it to what other companies are offering. Then, look for ways you can save on costs while maintaining the coverage you need.

That said, always be sure that you’re comparing apples to apples. For example, you may not have noticed that your current company has slowly raised premiums every year. And seeing a lower price from another company for the same coverage can be a real wake-up call. Again, only through shopping regularly can you make sure you’re getting the best deal possible.


As part of our recent partnership with Goosehead Insurance, we’re now offering Property & Casualty Insurance – making it easier than ever to take control of your insurance needs. Goosehead Insurance is a rapidly growing independent agency representing over 140 insurance companies underwriting auto, home, umbrella, and flood policies. Goosehead was founded on the premise that the consumer should be at the center of everything. That’s why they’re committed to offering broad product choice and a world-class service experience, supported by the most talented and client-focused team in the business.

There’s a common misperception that comparing insurance plans needs to be time-consuming and complicated. But Health & Benefits Partners, along with Goosehead Insurance, are committed to making it fast, easy, and most of all, helpful. Because our agents will constantly work to ensure you’re getting the most out of your coverage.

If you’d like a free quote, go here. Or, if you’d like to talk to one of our highly qualified agents about your changing insurance needs, reach out today.