Five Ways to Combat Rising Home and Auto Rates

Let’s face it, home and auto insurance rates have been increasing dramatically over the past year and it doesn’t look like things will be changing any time soon. Fortunately, all hope is not lost and there are some things you can do to help provide some relief from these ever-increasing premiums. In this article I will share with you five simple tips to save money by minimizing rate increases without sacrificing coverage.

#1. Make your agent aware of any updates to your home:

Have you recently made updates to your electrical, plumbing, HVAC, or roof? If so, make sure and let your agent know. Updates to these major home systems can often result in saving of hundreds or even thousands of dollars on your annual premiums! Make sure you inform your agent, even if these updates were a part of a claim. Even though your insurance company may have recently paid to replace your roof, your policy may not be updated to reflect that you have a brand-new roof, and you may be paying more than you need to be.  

#2. Embrace Telematics:

Telematics or “Usage Based Insurance” is becoming more and more popular with consumers and auto insurance companies each day. Every carrier calls it something different. With Progressive its “Snapshot”, and Safeco calls it “Right Track”, etc. The basic concept of these programs is to capture your driving behaviors in real time by providing an app for your cell phone, or with a device that plugs in under the steering wheel of your car. The app or device will then monitor your driving behaviors and take note of things like rapid acceleration, hard braking, cell phone usage, when you drive, and how much you drive. Generally, those who exhibit safe driving behaviors will often see deep discounts, sometimes as much as 30%. Those who don’t drive as safely may not see the same type of discounts, and some carriers may even surcharge you for bad driving habits. However, for most people, putting in a little effort to improve your driving habits while participating in a telematics program gives you the ability to significantly improve your rates over time.

#3. Bundle Up:

Do you have your home insured with a different company than your auto? How about your Motorcycles, boats, and RV’s? Most carriers offer significant multi policy discounts if you bundle your home and auto, and many also offer additional discounts when bundling your other policies with them as well. If your policies aren’t currently bundled, reach out to your agent to see if you can save by putting them with the same carrier.

#4. Claim Prevention Discounts:

Does your home have impact resistant shingles?  Have you or a family member taken a Defensive Driving course? Do you have a monitored home alarm or water leak detection device? These are examples of common claim prevention discounts you may be eligible for but not getting. Some discounts are small, and others are larger, but they all add up to savings. Every carrier has different discount programs that are based on you taking steps to minimize or prevent potential claims. Your agent should be able to help you identify what potential savings you may be eligible for with your carrier.

#5. Shop Early:

Buying a new house or car? Let your agent know sooner rather than later. If you are working with an independent agent, it may take some time for him/her to get quotes back from multiple carriers. If you are in a time crunch, your agent may not have the time needed to get quotes back from all the carriers for which he/she has access, which means you may not be getting the best deal. Furthermore, most insurance companies give substantial discounts for advanced quoting. The best practice is to make sure you notify your agent at least two weeks before you need your new policy to go into effect. This should give your agent plenty of time find the best option for you and to maximize your discounts!

Hopefully these five tips can help relieve some of the pressure on your wallet caused by increasing insurance rates. At MVP Insurance we strive to get to know and understand your unique situation to make sure we are providing the “Most Value Possible”. If you have questions about your insurance or are interested in learning more about home, auto, commercial, or Life insurance please give us a call at 405-697-5222, or send us an e-mail ant and one of our friendly and professional agents will be happy to assist you!

Joan Curtis

Co-owner/Licensed Agent

What do you enjoy most about working at MVP Insurance?

I love working with such an amazing team!  As an owner here, I get the blessing of choosing who I get to work with every day, and I have to say I would put our team up against any!  We are blessed to have people who put service before self daily!  Second, I love that we get to honor God with what we do here.  I don’t want to live a day without the Lord being a part of our business.  I believe that is one of the biggest reasons we have been successful in this industry!

What is your favorite book, movie, and/or Song?

My favorite Movie – Is Pride and Prejudice (2005)

My favorite song is . . . all of them!  I love all music except for maybe Death Metal!

My favorite book series that I have read recently is “The Prison Healer” series by Lynette Noni.  I love listening to young adult fiction the best.  Gets me out of my head and I get to take mini adventures with the characters.

Another series I really enjoyed was “Legend” by Marie Lu.  Both have amazing character development and unique surprises. A business book that I recently listened to that was amazing was Overcoming the Five Dysfunctions of a Team by Patrick Lencioni.


What is your Favorite Quote or Scripture?

Colossians 3:4 “When Christ, who is your life, appears, then you also will appear with him in glory.”  This is one of God’s promises when you live for the Lord, not everyone will understand that, and that’s okay, I am not for everybody.  I am for the ONE!

What is your dream Vacation?

My dream vacation would be to travel in the Mediterranean with my husband and all my kids and their families, for like 3 months and really get to experience the culture and the beauty there.

Blythe Donovan

Licensed Agent

How did you get into Insurance?

I got into insurance in 2019 because God told me this was my next step when I came in to meet with Brent and Joan for the first time! I love being an insurance agent because I get to help educate people and help protect families. I love my job for so many reasons, but mostly because I work with incredible people, both at MVP and with the relationships I form with clients and referral partners.

What is your favorite book, movie, and/or Song?

I don’t know if I can choose an actual favorite, because I love so many things in life! But the song that brings me the most joy currently is Somewhere Over the Rainbow/Wonderful World medley by IZ, with the ukulele. I love the words, the hopeful message, and I tend to always find the silver lining or the other side of the rainbow in every situation. I am an incurable optimist and joy seeker!

What is your Favorite Quote or Scripture?

My favorite scripture is Ephesians 3:20, God is able to do exceedingly, and abundantly, more than we can ask or imagine!

What is your dream Vacation?

My dream vacation is a quiet place in the mountains! My husband and I took a belated honeymoon to Pagosa Springs, Colorado and it was a slice of heaven on earth! My ideal day would be spent outdoors, enjoying wildflowers, the sound of a river rushing by, cool mountain breezes, and the smell of pine trees. We loved the small town and beauty of Pagosa Springs so much that we are actively working towards being able to get a place there so we can escape to the mountains more regularly!

Jade Griggs

Client Concierge

What do you enjoy most about working at MVP Insurance?

I love how everyone in the office is like family! I learn something new every day.

What is your favorite book, movie, and/or Song?

Favorite Book: Anything by Tracy Wolff 

Favorite Movie: “White Christmas” and “Dirty Dancing”. 

Favorite Music; Christmas, Country, Christian


What is your Favorite Quote or Scripture?

 Favorite Quote: Today is only one day in all the days that will ever be. But what will happen in all the other days that ever come can depend on what you do today! -Ernest Hemingway.

Favorite Scripture: so do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous right hand. – Isaiah 41:10


What is your dream Vacation?

My childhood dream vacation was to go to Disney World (like most little kids). However, as an adult my ultimate vacation would be to travel to Ireland and visit the many towns, and villages along the western shoreline. The most famous landmark in Ireland is probably the Cliffs of Moher which is at the top of my bucket list.

Brent Brown

Co-Owner / Licensed Agent

What do you enjoy most about working at MVP Insurance?


I love the family atmosphere that we have created here at MVP. Everyone is willing to go the extra mile to help a fellow client, co-worker, or strategic partner!


What is your favorite book, movie, and/or Song?


If you catch me reading it is most likely a book about business or personal development. One of my all time favorites is “Good to Great” by Jim Collins. I don’t think I can pick a favorite movie, but I am a huge fan of “The Office” TV Series (American Version). I like to think I’m a Jim, but truthfully, I’m probably more of a Michael!


I enjoy listening to all genres of music. People who ride with me are often taken aback because I’ll be streaming Beethoven from my phone and an EMINEM song will come on after.


What is your Favorite Quote or Scripture?


“I can do all things through Christ who strengthens me” Philippians 4:13
“An office is for not dying. An office is a place to live life to the fullest, to the max. An office is a place where dreams come true.“ Michael Scott


What is your dream Vacation?


Snow Skiing and a big cabin in the Mountains of Colorado!