Wenclewicz Insurance

Wenclewicz Insurance Wenclewicz Insurance offers auto, home, umbrella, life, and business from 10 different companies email: [email protected]

First up is the car itself, but not the color. We're looking at the make, model, and year. Insurers know which cars are ...
06/15/2026

First up is the car itself, but not the color. We're looking at the make, model, and year. Insurers know which cars are statistically stolen more often, cost more to repair, or have worse safety ratings. A boring, safe sedan is almost always cheaper to insure than a high-performance sports car, regardless of color.

Second, and this is a big one, is your driving record. Have you had at-fault accidents or speeding tickets in the last 3-5 years? A clean record tells insurance companies you're a low-risk driver, which directly translates to a lower rate. This has way more impact than the paint job.

And third is where you live. Your ZIP code tells an insurer a lot about their risk. They look at local traffic patterns, weather claims like hail, and even crime rates like theft and vandalism in your specific area. A dense city will almost always have higher rates than a rural town.

So it's not the color red, it's your car's model, your driving history, and your location. If you want to lower your premium, focus on those three things, not the paint.

Almost every personal auto policy has something called a 'business use exclusion.' It means that if you're using your ca...
06/11/2026

Almost every personal auto policy has something called a 'business use exclusion.' It means that if you're using your car to earn money—like delivering food or packages—your personal policy doesn't apply. Your insurance is priced for personal driving, like to work or the grocery store, not for the higher risk of commercial delivery.

So if you get into an accident while your DoorDash app is on, your insurer can legally deny the claim. You'd be paying for repairs to your car and the other person's car entirely out of your own pocket. Even worse, they can cancel your policy for not disclosing your business activity, which makes getting new insurance much harder and more expensive.

So what's the solution? It's actually pretty simple. You need to add a specific endorsement for delivery driving, sometimes called rideshare coverage, to your policy. Just call your agent and tell them exactly what you're doing. It might cost a little more per month, but that's nothing compared to paying for a major accident yourself.

Stop wasting money on a $250 auto insurance deductible. Here's the quick math that shows how raising it to $1,000 could ...
06/10/2026

Stop wasting money on a $250 auto insurance deductible. Here's the quick math that shows how raising it to $1,000 could save you hundreds every year.

Everyone defaults to a low deductible like $250 because it feels safer. You think, 'If I get in an accident, I only have to pay a little bit out of pocket.' But that peace of mind is costing you a lot more than you think on your premium.

Let's use some real numbers. Let's say switching from a $250 to a $1,000 deductible saves you $300 a year on your premium. That's pretty typical. So you're paying an extra $300 just to have a lower deductible.

The difference between the two deductibles is $750. If you're saving $300 a year, it only takes you two and a half years of safe driving to have saved enough to cover that entire difference. How many years have you gone without an at-fault accident?

So unless you're having an at-fault accident every two years, you're likely better off with the higher deductible, banking the savings, and building up an emergency fund to cover it if you ever need to.

Most business owners think they need to buy their policies separately. They get a General Liability policy over here, an...
06/08/2026

Most business owners think they need to buy their policies separately. They get a General Liability policy over here, and a Commercial Property policy over there. They're paying for everything a la carte, and it's costing them a fortune.

But the 'bundle' I'm talking about is called a Business Owner's Policy, or a BOP. It's a package that combines your General Liability and your Property insurance. Two of the most important coverages for any small business.

The reason it's so much cheaper is simple: carriers give you a big discount for bundling them together. It's like ordering a combo meal instead of buying the burger and fries separately. You get the same essential stuff for way less."

That's how I saved my client 25%. No magic trick, we just switched them from two separate policies to a single BOP. Go check your current policies and see if you're bundling.

So you get the ticket, you pay the fine, and you think it's over. It's not. Insurance companies see that ticket as proof...
06/05/2026

So you get the ticket, you pay the fine, and you think it's over. It's not. Insurance companies see that ticket as proof you're a higher risk. In Indiana, that means an average rate increase of about 22 percent."

But here's what most people miss: that rate increase doesn't just last for one renewal. It stays with you for three full years. Every six months when your policy renews, you're paying that higher rate.

Based on the average Indiana auto policy, that 22 percent hike works out to about $286 extra per year. Multiply that by three years, and that one speeding ticket just cost you over $850 in additional premiums. That's the real cost.

Okay, so the first thing to know is that there's no single flat rate. The final price really depends on a few key things...
06/01/2026

Okay, so the first thing to know is that there's no single flat rate. The final price really depends on a few key things: the type of business you're in—a contractor has more risk than a graphic designer—your estimated annual revenue, and how many employees you have.

Now for the 'why you can't skip it' part. This policy covers things like bodily injury if a client trips and falls at your office, or property damage your business accidentally causes. Without it, one single lawsuit could wipe out your business and even your personal assets. It's not a 'nice to have,' it's foundational.

So, for a brand new, low-risk LLC in Indiana—think a consultant, a small marketing agency, or a freelance writer—you're typically looking at a range of $400 to $600 per year for that $1 million policy. That breaks down to about $35 to $50 a month to protect your entire business. It's one of the smartest investments you'll make.

It is not about paperwork or policies. It is about protecting your ability to recover when something goes wrong. When it...
05/28/2026

It is not about paperwork or policies. It is about protecting your ability to recover when something goes wrong. When it is set up correctly, it gives you stability, not stress. That is the goal.

If you want to make sure your coverage is doing that for you, I am here to help.

A lot of people think switching is complicated or risky. In reality, understanding your options often gives you more con...
05/26/2026

A lot of people think switching is complicated or risky. In reality, understanding your options often gives you more control, not less. You are not locked in the way it feels.

If you want to explore your options without pressure, I can help you do that.

Good coverage is not about having more. It is about having the right things in the right places. More does not always me...
05/25/2026

Good coverage is not about having more. It is about having the right things in the right places. More does not always mean better, but the right structure makes all the difference when you actually need it.

I can help you figure out what “right” looks like for you.

Everything seems straightforward until something unexpected happens. That is when details matter. Understanding how your...
05/21/2026

Everything seems straightforward until something unexpected happens. That is when details matter. Understanding how your policy works before that moment is what keeps things simple later.

If you want to feel prepared instead of surprised, I can help you get there.

Address

7202 N Shadeland Avenue, Ste 207
Indianapolis, IN
46250

Opening Hours

Monday 8:30am - 5:15pm
Tuesday 8:30am - 5:15pm
Wednesday 8:30am - 5:15pm
Thursday 8:30am - 5:15pm
Friday 8:30am - 5:15pm

Telephone

+13172885099

Website

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