When your insurance policy renews, it’s easy to just let it roll over — especially if nothing major has changed. But that simple auto-renewal could be costing you hundreds of dollars a year.
At Greg Wilson Agency, we believe in helping our neighbors in Glenpool and the surrounding communities make smart, confident choices about their insurance. That starts with understanding why re-shopping your policy at renewal time is a smart financial move — even if you haven’t filed a claim.
Why Do Insurance Rates Go Up at Renewal?
Even if your driving record or home haven’t changed, your rates can still go up. Here’s why:
Market shifts: Inflation, construction costs, and weather patterns (like Oklahoma storms) affect rates.
Carrier re-rating: Insurance companies regularly update how they price risk, even for loyal customers.
Loyalty doesn’t always mean savings: Staying with one carrier too long can actually work against you if you’re not re-evaluating options.
How Re-Shopping Helps You Save
Independent agencies like ours work with multiple top-rated carriers, not just one. That gives you options every year.
By comparing quotes at renewal, we can:
Find lower rates for the same or better coverage
Apply new discounts you might now qualify for
Switch carriers easily — without gaps in protection
What Coverage Should You Review?
When we re-shop for clients, we take a second look at:
Auto insurance: Can you raise your deductible? Are you overpaying for full coverage on an older car?
Home insurance: Does your dwelling limit still reflect replacement costs? Are you covered for wind and hail?
Umbrella: Are your assets protected if a major claim exceeds your primary limits?
When to Re-Shop
The best time is:
30–45 days before renewal — this gives us time to shop and switch if needed
After a life change — new car, move, marriage, business ownership, or even a new teen driver
If your rate jumped without explanation
Ready to Re-Shop?
We’ll Do the Hard Work for You.
Whether it’s been six months or six years, we’d be happy to take a fresh look at your policies. It only takes a few minutes to get started — and it could save you serious money.
Call us at (918) 291-8358
Visit us in Glenpool or request a quote online
https://app.usecanopy.com/c/GregWilson
We’re local, independent, and here to help — even on Saturdays now.