10/30/2026
It’s the #1 question we get, and honestly, it’s a good one. Here is a breakdown of the answer. 👇🏼
✅ WHAT YOU CAN CONTROL:
• Your driving record and traffic violations.
• Avoiding at-fault accidents.
• Your credit-based insurance score (where permitted).
• The type of vehicle you drive.
• How much you drive.
• Your coverage choices, deductibles, and discounts.
• Keeping your policy information up to date.
❌ WHAT YOU CAN’T CONTROL:
• Rising vehicle repair and replacement costs.
• Higher prices for auto parts and labor.
• Increased medical costs associated with accidents.
• Theft and vandalism trends.
• Accident frequency in your area.
• Local traffic patterns and claims trends.
• Severe weather and other widespread losses.
But that doesn’t mean you should just accept your renewal and move on!
At On Guard Agency, we believe in making sure you’re getting the coverage you need at a competitive price.
👇 Want a quick review of your auto policy? Drop a comment below or send us a message!
Stay On Guard. Stay Protected. 🛡️
