Why You Should Shop Your Insurance Rates Every 3 Years with an Independent Agency

When was the last time you compared your insurance rates? If it’s been more than three years, you could be leaving hundreds—even thousands—of dollars on the table. At Hembree Insurance Agency, serving Marietta, Kennesaw, and Douglasville, we recommend reviewing your policies every three years to make sure you’re still getting the best combination of coverage and price.

Why Three Years Matters

Insurance companies regularly update their rates based on claim trends, risk models, and even your location’s growth. While a policy you purchased years ago may have been the best option then, it may not be today.

Here’s why three years is the sweet spot:

• Avoid Rate Creep – Many carriers gradually increase rates each renewal. Over time, that adds up.

• Life Changes – New home, new car, teen drivers, or even improving your credit score can all impact your insurance rate.

• Market Competition – Insurance carriers adjust pricing to remain competitive. The “best deal” in 2022 may not be the “best deal” in 2025.

By shopping every three years, you keep your policies aligned with both your needs and the market.

Why Use an Independent Agency in Marietta, Kennesaw, and Douglasville

Unlike captive agents who represent only one company, independent agencies like Hembree Insurance work with multiple top-rated carriers. That means we shop around for you—saving you time, money, and headaches.

Residents of Marietta, Kennesaw, and Douglasville know how quickly our communities are growing. With new homes, businesses, and drivers on the road, insurance risks shift—and so do rates. Local, independent agents understand these dynamics and can match you with carriers that fit your exact situation.

Real-World Example

Let’s say a family in Marietta bought auto and home insurance in 2020. Over three years, their rates increased by 20%. By allowing us to re-shop their coverage, we found them a new carrier offering the same protection at a 15% lower rate—saving over $1,200 a year.

That’s money back in their pocket without sacrificing coverage.

The Bottom Line

If you live in Marietta, Kennesaw, or Douglasville, reviewing your insurance rates every three years isn’t just smart—it’s essential. With an independent agency like Hembree Insurance, you get expert guidance, access to multiple carriers, and a local team that puts your family first.

Don’t wait until your renewal notice gives you sticker shock. Reach out today and let’s make sure you’re not overpaying for coverage.

Q: Why every 3 years and not every year?
A: Insurance rates fluctuate often, but checking annually can sometimes cause unnecessary carrier switches. Every three years balances savings with policy stability.

Q: Will shopping my rates hurt my coverage?
A: Not at all. With an independent agency, we make sure any switch maintains or improves your coverage—not just your price.

Q: What if my current rate is already the best?
A: Then you have peace of mind knowing you’re in the right spot. But if not, you could save significantly by switching carriers.

Q: Do you charge for shopping rates?
A: Never. Our service is completely free to you—we’re compensated by the carriers, not our clients.