McHenry, IL -- (SBWIRE) -- 05/04/2015 -- Clark Howard, a financial guru, reported in August 2014 that 33 percent of Americans fail to shop their car insurance and approximately 50 percent fail to shop their homeowners insurance. Although consumers prefer to remain loyal to a company, NerdWallet.com found that individuals who do shop around for car insurance may save a third on their premium. Individuals need to shop around, reports the Brian Bolger Agency, as they may be eligible for policy discounts and other premium reduction offerings.

"The Wall Street Journal released an article in 2014 which stated insurance companies now raise rates of long term customers, knowing they won't shop around. This article, found at http://www.wsj.com/articles/SB10001424052702304149404579322472625015590, explains how the companies use database mining to categorize customers. Many now offer unusual discounts, such as a discount for moving into a gated community, that consumers are unaware of, allowing the company to make more also," Brian, founder of the Brian Bolger Agency, reports.

Home insurance often functions as a type of combined insurance. A good example of this is renter's insurance. Not only does this policy cover personal property, it also provides personal liability insurance to ensure a person is protected when someone is injured on their property or the renter accidentally damages the property of a neighbor. Home insurance comes in many forms, including residential, specialty homeowner's coverage, personal liability and motor home protection.

"A home tends to be the biggest investment an individual makes in their future. To ensure this investment is protected, our office provides a wide range of policies to select from. Contact our office today so we can determine which policy best meets your needs at this stage of your life, and be sure to reevaluate your coverage regularly to ensure you have the protection you need at all times. Doing so can help you to save money also," Brian explains.

Auto insurance likewise comes in many forms. Some may find they need sr22, yet others benefit more from a collectible auto policy. Experts recommend drivers shop around for new car insurance every year, but one should never go more than three years without comparing rates, to ensure they are getting the best deal on their policy and the coverage they need.

"When visiting the agency or speaking to a representative, ask about the other types of insurance offered. No matter which type of insurance you have, it's wise to shop around for the best rate and coverage. Don't cut corners in this area, as one catastrophe can wipe a person out. Whether you are in need of business insurance, recreational insurance, insurance for your motorcycle or an umbrella policy, we will be happy to help," Brian states.

About Brian Bolger Agency
The Brian Bolger Agency remains committed to the principles established by the founders of Farmers Insurance. The goal remains to provide quality insurance products at reasonable prices, and the company continues to grow and adapt to the changing needs of their clients. In addition to helping clients plan wisely for unexpected events, the company works to restore order when these catastrophes take place, allowing clients to move forward with life. Although times have changed along with the needs of clients, customers know they can count on the same exceptional service this company is known for.