When an unexpected accident or property damage occurs, the first instinct is often to file a claim immediately. While that is exactly why you have insurance, there are a few "behind-the-scenes" factors that are worth considering before filing a claim. Filing a claim, even a small one, sets off a sequence of events that can impact your financial profile for several years.

The "Clue" Report: Every claim is logged into a national database that follows you even if you switch carriers, staying on your record for three to five years. Some events or occurences can remain for seven to ten years.

Rate Impact: Beyond any specific surcharges, you may lose "Claims-Free" discounts. In many cases, the increase in your premium over three years can outweigh the actual payout of a small claim.

The Frequency Factor: Insurance companies track how often you file. Multiple small claims are often viewed as a higher risk than one large, unavoidable loss, which can affect your eligibility for "Preferred" rates in the future. This could lead to non-renewal or higher premiums.

The "Rule of Thumb" for Filing:

Before filing, get an independent repair estimate. If the repair cost is close to your deductible, it is often better to pay out-of-pocket and protect your long-term record. Calculate the three-year impact: If a claim raises your premium by even $200 per year, that’s a $600 cost over three years.

Dear Friends and Family,

We take pride in running an agency that prioritizes people over profits. We go out of our way to help everyone save money, often providing money saving advice and rate checks for free. We truly love being a resource you can trust. However, maintaining this "advice-first" business model comes with its own set of challenges.

We need your help to continue serving our community this way.

To keep our expert advice free and unbiased, we need to connect with more people. If you appreciate our transparency and honesty, the best way to help us is by referring a friend, neighbor, or coworker for a free quote. We promise to treat them with the same integrity we show you—focusing on their best interests and helping them save money, whether they choose a policy through us or not.

Our family wants to say Thank You Very Much for being a part of our success. We are grateful for the trust you have placed in us and we are dedicated to help you succeed as well. Please reach out to us if you ever have any questions or concerns. You can reply to this email. If you have any family or friends who could benefit from our help please forward this email to them too.

Dear Friends and Family,

In these current economic times, we know that every dollar counts. At Eastway Agency, we believe the best way we can support our community right now is by going out of our way to help you keep more of your hard-earned money.

Many people don't realize that we do not charge a fee to review your existing Home and Auto insurance policies.

If you can provide us with a copy of your current policy declarations page and drivers license(s), we will happily review it for you. Our goal is to help you understand exactly what you are paying for, identify any gaps in your coverage, and spot unnecessary costs.

Here is how this helps you:

* Cost Savings: We can often find ways to lower your premium immediately.

* Clarity: You will know exactly what you are paying for, what is covered and what isn’t.

* Honesty: While we can always write a new policy if it saves you money, not everyone needs one. If your current policy is the best fit, we will tell you that, too.

Please reply to this email or give us a call at 585-586-2390. We can send you a secure Google Drive folder to upload your policy information, or you can reply to this email. Let us do the heavy lifting to ensure you are protected and saving as much as possible.

I am my own agent. But I've been doing this for over 20 years. For most people it's just not a good idea. We've had signs up outside for years that say ‘Save money, get a quote’ -it's that simple. A few days ago, a woman who drives by all the time on her way to work got her notice of renewal on her home insurance, and she noticed the steep increase. She decided to give us a call and ask if we could help her try to save money and we said, sure we can.

So, one of the first questions we ask: 'who you are currently with' because we may be contracted with them, we may not, but we do have experience with all the carriers. we understand what they're doing currently in the market, what they've done in the past, and what direction they may be heading. It’s an opportunity for us to identify the cause of the problem you're having, is it the company, is it the agent or agency, or is it just the fact that everyone's rates are going up? In this case, there was something very specific. She got her own home and auto insurance online through two different websites. We're very familiar with all these Online Only insurance carriers too and the problem is that when most people do their own insurance online it doesn't always work out the way they want it to. it's possible to go online and we’ve seen it before, build your own insurance plan and walk away paying for coverage, meanwhile, you're not covered if you have an accident or if something does go wrong and you are not walking away from the financial responsibility of a catastrophic loss. Because you are not covered the way you should be covered.

When you know what to look for, saving money on your Auto or Home Insurance is easy. Eastway has been looking at New York Insurance since 1983 and I've been a Licensed Agent for over 20 years. You won't find a more Independent Agent or Agency in New York.

Let me know if you want us to take a look at your current coverage to see what you could save! You can reply to this email. If you have any family or friends who could benefit from saving money on home & auto insurance please forward this email to them too.

We are driven to help others and appreciate your help meeting new people. Please leave us a 5 Star review on Google!

PLEASE CLICK HERE TO LEAVE A GOOGLE REVIEW

Saving money on your Auto and Home insurance starts with a free quote. All you need to start is a copy of your current declarations page and driver's license. We can explain what you are paying for and why it costs what it does. Only an Independent, Family-Owned Agency will treat you the way we do. Call (585) 586-2390, reply to this email or stop in for a free quote today. Since 1983 we have been helping our neighbors, friends and family save money.

Our family wants to say Thank You Very Much for being a part of our success. We are grateful for the trust you have placed in us and we are dedicated to help you succeed as well. Please reach out to us if you ever have any questions or concerns. You can reply to this email. If you have any family or friends who could benefit from saving money on home & auto insurance please forward this email to them too.

We are driven to help others and appreciate your help meeting new people. Please leave us a 5 Star review on Google!

PLEASE CLICK HERE TO LEAVE A GOOGLE REVIEW

Saving money on your Auto and Home insurance starts with a free quote. All you need to start is a copy of your current declarations page and driver's license. We can explain what you are paying for and why it costs what it does. Only an Independent, Family-Owned Agency will treat you the way we do. Call (585) 586-2390, reply to this email or stop in for a free quote today. Since 1983 we have been helping our neighbors, friends and family save money.

Save money on your Auto and Home Insurance and Start Today with a free quote.

Only an Independent, Family-Owned Agency will treat you the way we do. Help us celebrate our forty-third year in Penfield and call, email or stop in for a free quote today. Let us help make your life richer!! Contact 585 5862390 joe@eastwayinsuranceagency.com for your free quote today. Please locate your existing policy so we can validate your current coverage for a more accurate comparison.

Have you considered switching your current coverage? We can help you validate the premium you are paying. Saving you money does not always require a new policy and our primary goal is to help you save. We can quote multiple companies as well as explain what you are paying for and how it compares in coverages. If you are a small business owner we can quote you too!

Please click here to give us a Google Review!

As an Independent Agency, Eastway can offer many insurance companies, allowing us to shop for the best coverage and lowest rates. If you have questions about Auto, Home, Life or Health Insurance we will go out of our way to answer you. We are immensely proud to celebrate our 40th year supporting our community. Founded by the late Patrick Saulino in 1983, we are family owned and operated and we love what we do! We have helped thousands of people save money and this motivates us to help more. We get excited when we can be a part of making life easier for anyone. The right attitude can make a lifetime of difference.

Please reach out to us by email: answers@eastwayinsuranceagency.com or by call (585) 586-2390 and we will go out of our way to help you.

All of us at Eastway are very excited to celebrate our fortieth year helping Rochester save money and live better. We have partnered with our neighbors at Flower Barn and Rosey's Italian Cafe to give you a gift!

Save money on your Auto and Home Insurance now and Start Today with a $10 coupon good at Flower Barn or Rosey's Italian Cafe! Come in for a free quote and get $10 off your Total Purchase.

Only an Independent, Family-Owned Agency will treat you the way we do. Help us celebrate our fortieth year in Penfield and call, email or stop in for a free quote today. Let us help make your life richer!! Contact joe@eastwayinsuranceagency.com for your free quote today. Please locate your existing policy so we can validate your current coverage for a more accurate comparison.

Offer runs from July 1st – July 31st, 2023. No Purchase Necessary

Life Is The Greatest Gift You Can Give. It can also be the greatest gift you receive. I know because I received this gift. I had a catastrophic injury to my cervical spine and donor bone is the reason I can walk and talk today. Without the Gift of Life, I would have been a quadriplegic on a ventilator. My name is Joe Rothpearl. I am a donor recipient and a Proud Partner with Donate Life New York State (Click to Register Here!!!)