{"id":110694,"date":"2025-02-26T07:00:12","date_gmt":"2025-02-26T07:00:12","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/insurance-rates-what-is-really-going-on-with-these-premiums-and-why-they-seem-to-be-increasing\/"},"modified":"2025-02-26T07:00:12","modified_gmt":"2025-02-26T07:00:12","slug":"insurance-rates-what-is-really-going-on-with-these-premiums-and-why-they-seem-to-be-increasing","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=110694","title":{"rendered":"Insurance rates—-What is really going on with these premiums and why they seem to be increasing!"},"content":{"rendered":"


\n<\/p>\n

\n
\n
\n
\n
\n
\n
\"\"<\/wow-image><\/div>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n
\n

This is a question we continuously get asked at CH Insurance. Clients with a good loss history, timely payments, excellent credit, and very good policies and procedures. All across the landscape consumers are feeling the pinch of their insurance carriers in both Commercial and Personal Insurance.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

There are many factors that are continuing to drive insurance rates up.\u00a0 Let\u2019s explore some of these by line of coverage.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Auto insurance rates have been continuing to rise over the last 5 or so years.\u00a0 Here are some of the reasons:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span> For every $1.00 the auto insurance takes in with premium, the carrier is paying <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

out $1.07 in claims nationally.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0\u00a0\u00a0<\/span>\u00a0\u00a0 Distracted driving still contributes to a high number of claims.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0 New vehicles pricing has gone up.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 The cost to repair a vehicle continues to increase for both labor and materials and is <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Since the pandemic, people have begun to travel more. Combine this with the <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

uncertainty caused by flying, there has been a surge in auto travel.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Medical costs associated with claims has increased.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 The uncertainty of the legalization of marijuana in many states and how it will affect <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Here are some useful tips that can help with rates:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Consider taking a defensive driving course. Most carriers offer a discount for it.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Keep your vehicles in good working order. This will minimize the risk of getting into an <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Don\u2019t drive while distracted.\u00a0<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Have a conversation with your agent about any driving changes. (ie work from home so <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 <\/span><\/strong>Have Auto fleet manuals for each driver to sign off on and understand the policies of <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Homeowners are not isolated from the impact of increased premiums. Here are some of the reasons why:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Home values have increased since the pandemic.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 The cost for home repairs continues to increase for both labor and materials and is <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Natural disasters and catastrophic claims have an impact on homeowners insurance <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Inflationary issues with the cost of all materials to include labore are up over 50% since <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

the pandemic, hence replacement costs values must be increased. <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Here are some helpful tips that can help with rates:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Notify your agent of any changes\/improvements to your home (i.e. new roof)<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Consider a security system.\u00a0 Most carriers provide discounts for a burglary\/fire system.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Consider a water monitoring system. Most carriers provide discounts.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/strong> Consider a an appraisal for your home.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Business owners are also experiencing rate increases.\u00a0 If you are a business owner with vehicles and property, much of the same items that are impacting personal auto and homeowners\u2019 rates are impacting your business as well.\u00a0 In addition, business owners are also being impacted by their general liability, group benefits, employment practices premiums going up.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Some of the reasons for the increase in business related insurance premiums are:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Litigation concerns.\u00a0 Lawsuits and verdicts continue to escalate.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Increased medical expenses.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Product liability concerns are increasing.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Social inflation.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/strong>Reinsurance cost with the Property markets that the carriers are experiencing.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Medical Providers want more money.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Cost of Rx drugs.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Increase in discrimination claims.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Increase in employment related lawsuits.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

Here are some helpfully tips:<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0 Have policies and procedures in place and be sure to follow them.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Provide employee training on your policy and procedures.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Have and periodically assess your employee handbook.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Report claims in a timely manner.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Have a wellness program for your employees.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7\u00a0<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0 Have a good documentation process for your various operations.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

\u00b7<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Discuss business processes and any changes with your agent.<\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

As an independent agent, CH Insurance has access to numerous insurance companies to help you analyze this maze. We will work hard to find the right insurance solutions for you, your business, or family.\u00a0 CH Insurance is in your corner… every day, every way! <\/span><\/strong><\/span><\/p>\n<\/div>\n

\n

SR. VP Risk Management and Operations<\/span><\/strong><\/span><\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

This is a question we continuously get asked at CH Insurance. Clients with a good loss history, timely payments, excellent credit, and very good policies and procedures. All across the landscape consumers are feeling the pinch of their insurance carriers in both Commercial and Personal Insurance. There are many factors that are continuing to drive […]<\/p>\n","protected":false},"author":1,"featured_media":110696,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[13639,11034,25804,49847],"dealstore":[],"offerexpiration":[],"class_list":["post-110694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-increasing","tag-insurance","tag-premiums","tag-rateswhat"],"yoast_head":"\nInsurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=110694\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"This is a question we continuously get asked at CH Insurance. Clients with a good loss history, timely payments, excellent credit, and very good policies and procedures. All across the landscape consumers are feeling the pinch of their insurance carriers in both Commercial and Personal Insurance. There are many factors that are continuing to drive […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=110694\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-26T07:00:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=110694#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Insurance rates—-What is really going on with these premiums and why they seem to be increasing!\",\"datePublished\":\"2025-02-26T07:00:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694\"},\"wordCount\":632,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg\",\"keywords\":[\"Increasing\",\"insurance\",\"Premiums\",\"ratesWhat\"],\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=110694#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=110694\",\"url\":\"https:\/\/fivemor.com\/?p=110694\",\"name\":\"Insurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg\",\"datePublished\":\"2025-02-26T07:00:12+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/fivemor.com\/?p=110694#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fivemor.com\/?p=110694\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/?p=110694#primaryimage\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg\",\"width\":960,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fivemor.com\/?p=110694#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fivemor.com\/?bp_activities=1\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance rates—-What is really going on with these premiums and why they seem to be increasing!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fivemor.com\/#website\",\"url\":\"https:\/\/fivemor.com\/\",\"name\":\"Som2ny Network\",\"description\":\"Daily Deals\",\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fivemor.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/fivemor.com\/#organization\",\"name\":\"Som2ny Network\",\"url\":\"https:\/\/fivemor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"width\":300,\"height\":86,\"caption\":\"Som2ny Network\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/fivemor.com\"],\"url\":\"https:\/\/fivemor.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=110694","og_locale":"en_US","og_type":"article","og_title":"Insurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network","og_description":"This is a question we continuously get asked at CH Insurance. Clients with a good loss history, timely payments, excellent credit, and very good policies and procedures. All across the landscape consumers are feeling the pinch of their insurance carriers in both Commercial and Personal Insurance. There are many factors that are continuing to drive […]","og_url":"https:\/\/fivemor.com\/?p=110694","og_site_name":"Som2ny Network","article_published_time":"2025-02-26T07:00:12+00:00","og_image":[{"width":960,"height":480,"url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=110694#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=110694"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"Insurance rates—-What is really going on with these premiums and why they seem to be increasing!","datePublished":"2025-02-26T07:00:12+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=110694"},"wordCount":632,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=110694#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg","keywords":["Increasing","insurance","Premiums","ratesWhat"],"articleSection":["Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=110694#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=110694","url":"https:\/\/fivemor.com\/?p=110694","name":"Insurance rates-What is really going on with these premiums and why they seem to be increasing! - Som2ny Network","isPartOf":{"@id":"https:\/\/fivemor.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fivemor.com\/?p=110694#primaryimage"},"image":{"@id":"https:\/\/fivemor.com\/?p=110694#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg","datePublished":"2025-02-26T07:00:12+00:00","breadcrumb":{"@id":"https:\/\/fivemor.com\/?p=110694#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fivemor.com\/?p=110694"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/?p=110694#primaryimage","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/a219ed_4e255722e93b4873a7af54d643d11e4fmv2.jpg","width":960,"height":480},{"@type":"BreadcrumbList","@id":"https:\/\/fivemor.com\/?p=110694#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fivemor.com\/?bp_activities=1"},{"@type":"ListItem","position":2,"name":"Insurance rates—-What is really going on with these premiums and why they seem to be increasing!"}]},{"@type":"WebSite","@id":"https:\/\/fivemor.com\/#website","url":"https:\/\/fivemor.com\/","name":"Som2ny Network","description":"Daily Deals","publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fivemor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/fivemor.com\/#organization","name":"Som2ny Network","url":"https:\/\/fivemor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","width":300,"height":86,"caption":"Som2ny Network"},"image":{"@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","caption":"admin"},"sameAs":["https:\/\/fivemor.com"],"url":"https:\/\/fivemor.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/110694","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=110694"}],"version-history":[{"count":0,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/110694\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/media\/110696"}],"wp:attachment":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=110694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=110694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=110694"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fdealstore&post=110694"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fofferexpiration&post=110694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}