It can sometimes seem as if the forces determining your insurance rates are beyond your control. But, as an insurance buyer, it is important to know how your premiums are calculated, what trends influence the market, and what you can do to get the best price.
Your claims history—which you can control—has an enormous impact on whether your rates go up or down. That is where implementing a solid risk management plan will help steer your pricing in a more favorable direction, both now and in future renewal periods.
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