Are Auto Insurance Rates Negotiable? (Powell, Ohio)

Are my auto insurance rates negotiable. I’m Mark Goodwin at Goodwin Insurance Agency. And we get asked this question a lot, especially recently in today’s climate. It seems like the cost of everything is going up. So, are these insurance rates negotiable? Maybe they are? Maybe they’re not, I’m gonna let my assistant Nikki fill you in more. Nikki are auto insurance rates negotiable?

Well, the short answer is NO, auto insurance rates are generally not negotiable. However, there is more to this question than my short answer that I just gave you. So in truth, what most people want to know is how they can lower their auto insurance rates.

Now, while the premiums a carrier offers aren’t negotiable, there are actually other ways that you can knock that rate down. Auto insurance carriers determine their fees based on this really complex set of variables that include, your driving record, your age, where you live, how many miles you drive in a month. Things like that, which means that if you want to lower your insurance rates, then there are several things that you can do.

For starters, you can drive fewer miles, which might mean, you know, carpooling or taking public transportation and let’s see what else? Another great idea that you could do to um lower those rates is to improve your driving record by going to driving school. As a matter of fact, some carriers will encourage you to take a defensive driving class in exchange for lower premiums. I gotta say, a knowledgeable insurance agent can help you find ways to lower your premiums. So even though rates aren’t directly negotiable, there are definitely plenty of ways to save money on auto insurance.

We’d be happy to review your insurance coverage options with you! Give us a call at (740) 387-8335 or visit

Can Homeowners Insurance Cover Roof Replacement? (Powell, Ohio)

Hi, I’m Mark Goodwin, from eGoodwin Insurance Agency and one of the common claim calls that we get is damage to your roof. I’ve been through that myself. I know what a stressful situation that is and I wanna have Nikki talk to you a little bit about that. But before we have her talk to you, one thing, I would point out is to check what your deductible is on your roof.

Now, you may think you have $1000 deductible on your home insurance policy and maybe you do, but you may find out that your roof has a percentage deductible, like 3%. #% of what, 3% is the amount of insurance that’s on your house. So a $300,000 home is going to have a 3% deductible that is equal to $9000. So if you want something different than that, talk to your agent or give us a call, but Nicky’s gonna talk to you a little bit more about rough claims. Nicky.

Anyone who has ever had roof damage knows that it is one of the most harrowing and expensive types of damage that could happen to your home. And you know, because of these just nightmare stories, homeowners need to know whether or not roof damage is covered in a home insurance policy. And so, well, it depends, uh like most kinds of insurance, a home policy covers the types of damage that are outlined in the paperwork. So make sure that you check the details of your policy and see if you’re covered, read that fine print and if you don’t have roof replacement coverage, then you can typically add it into your policy and you know, not for nothing but because roof damage can be so costly, it’s actually a really smart thing to have. Also keep in mind that depending on what kind of roof your home has and how the damage was caused, your coverage can vary. So if you are still unsure of whether or not your roof is protected, the best thing you can do is speak with your insurance agent and let them know that you’re concerned.

We’d be happy to review your insurance coverage options with you! Give us a call at (740) 387-8335 or visit

Why Are My Homeowners Insurance Rates Going Up? (Powell, Ohio)

Hi, I’m Mark Goodwin. And I know a lot of us are facing increased insurance costs for our home insurance. Uh We are here to not only inform you and our clients but also to help navigate the insurance waters, whether that be tweaking some coverages or shopping, the marketplace for you. So Nikki tell us about some of the reasons we’re seeing rates go up. One of the most common questions we hear about home insurance is so simple and very understandable. Why are my rates going up? Now? I know that it can feel frustrating and confusing. Uh The truth is there are a large number of reasons why you might see higher home insurance premiums and not all of them are things you can control if there is an increase in the cost of uh replacement materials like uh lumber or stone or in the cost of labor that will probably translate into higher premiums. Now, likewise, if the value of your neighborhood is on the rise and therefore the value of your home is increasing, then it will cost more to insure. Now, I also can’t forget to mention that if there is a large number of people in your area making insurance claims that could translate into higher rates as well. Your insurance agent might be able to help you find ways to offset these cost increases. So do not be shy about contacting them to find out more.

We’d be happy to review your insurance coverage options with you! Give us a call at (740) 387-8335 or visit