Tim Wilson Agency: Insurance

Have you heard of Drivewise? It's located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don't.

Drivewise Safe Driving App Reduces Crash Risk 25%, According to Allstate Want to save money on car insurance? See how Allstate Drivewise could help you avoid risk and reduce your premiums.

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Irish Welcome Special Group To Campus For Blue-Gold Game With Assist From Allstate For the 2024 edition of the Blue-Gold Game, the football program, Allstate and Notre Dame’s Together Irish Community Commitment Initiative reached out to the South Bend Empowerment Zone (SBEZ) and 100 Black Men of South Bend’s Freedman Academy Leadership Program and invited them to campus for th...

Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking

Allstate declares breakthrough in road safety Behaviors relate to phone usage, speeding, and hard braking

Preparing your home for a tornado could make filing a potential claim go that much smoother. Learn more: https://al.st/3PKb5Fd

Emergency preparedness and disaster recovery is as important for your small business as it is for your home and family but it's not always top of mind. That's why we're helping small businesses learn how to be resilient when faced with a disaster.

Helping Small Business Prepare and Recover Developed in partnership with FedEx, the Readiness for Resiliency Program (R4R) is a multi-year initiative to support small businesses impacted by disasters.

This week in New Orleans we're celebrating rich culture and history at the Allstate HBCU Legacy Bowl. There are 100 other employers competing for attention at the Career Fair, but Allstate will have opportunities for students to interview and be hired on the spot!

HBCU Legacy Bowl Career Will Offer Hundreds Of Job Opportunities In The NFL, Sports Brands, Entertainment, And Tech For HBCU Students The 2024 Allstate HBCU Legacy Bowl will have over 100 employers ready to meet and interview students for job opportunities.

Our 🏈 correspondent, Katie Feeney is rewriting the playbook for young women pursuing careers in the sports industry. And we love that. Hear about her experience as our eyes and ears on the gridiron.

How To Get Started In Sports | Katie Feeney x Emily Grace McWhorter | Women In Sports Katie Feeney and Emily Grace McWhorter sit down to discuss the best advice they've received in the sports industry, how to get started, and some of their fav...

CFP National Championship MVP Blake Corum has tremendous accolades on the field but he wants you to know him for what he does off the field.

Michigan's Blake Corum Reflects on NIL Legacy, Investing in his Future National Championship MVP highlights CELSIUS partnership, campaign with Washington's Michael Penix Jr.

Did all that food you stocked up on for your big football watch party go bad during that last winter storm power outage? You may be eligible for reimbursement.

Did your food spoil during winter storm power outages? You could get reimbursed Many types of food are unsafe to eat depending on how long the power was out.

The great annual debate of winter: warm up the engine or hit the road cold? What do you do? (P.S. – here’s what the experts suggest. https://al.st/3U3SjLO)

Should you warm up your car? Cold weather tips to keep your car moving this winter With below freezing temperatures across the region, here are some tips to protect your car this winter.

Roof damage from the storm? Tree limbs down? Make sure you know what your homeowners insurance covers.

Does homeowners’ insurance cover winter weather damage? Here’s what 4 big companies say If snow and ice cause damage to your home, will it be covered by your insurance? We checked out homeowners’ and renters’ policies at four of the largest providers in the U.S.

No storm big enough to dampen our day. Gear up for the tailgate, grab those tarps, drive safe and enjoy the game. Who are you cheering for tonight?

Here's how Houston is preparing if tailgating for CFP national championship game is impacted by storms Rain and storms are likely for much of Monday, with a few strong to severe storms possible as well.

Great day coaching the kids of Son of a Saint, an org that gives fatherless young men mentorship opportunities, with Tim Tebow, Sam Acho, and the Allstate AFCA ! Thanks to all who helped! American Football Coaches Association

We are thankful to be a part of this once in a lifetime moment with The Crozat Family Foundation, G & C Auto Body, the National Auto Body Council and several deserving families!

Bay Area nonprofit surprises 10 families in need with cars this holiday season Surprise! A local nonprofit gave these Sonoma County families in need with their own cars! The group of applicants were asked to show up to the Sonoma County Fairgrounds to what they thought would be the the last interview to potentially get one of the four cars being donated.

Love supporting our hometown of Chicago this holiday season. Make sure to grab a ride on the Allstate CTA holiday fleet before it ends!

Snowflakes, candy canes and 36,000 LED lights: The making of the CTA holiday fleet The CTA holiday train and bus are returning to seasonal glory after quiet pandemic years, running without passengers in 2020 and without Santa in 2021.

Do you know what VIBE stands for? Voted in by Employees. We received The Muse's 2023 VIBE award for work flexibility. That makes us feel good, because creating a flexible workplace that helps our people live their best lives is a big priority for us. Thank you, Allstaters!

VIBE Awards 2023: Best Companies for Work Flexibility These companies offer flexible hours, remote-first roles, and more.

We want to inspire the next wave of soccer stars and protect the future of the game for the next generation. So we helped connect players from the U.S. Women's National Soccer Team with Chicago-based artist Dwight White II to create a truly magical mural.

Dwight White II Details Collaborating on New Mural for the U.S. Women's National Soccer Exclusive: Chicago Muralist Dwight White II Details Collaborating on New Mural for the U.S. Women's National Soccer

Get to know our College Football Corespondent HERE! 💙

Katie Feeney's Dual Life: How A Penn State Student Juggles College And Sports Broadcasting Goals With 7M+ Followers Like many college students across the country, Katie Feeney spent the week after Thanksgiving studying for finals. "Starting after this weekend, it's go

Safe travels! 🚙✈️🦃

Driving or flying before feasting? Here are some tips for Thanksgiving travelers More than 55 million people are expected to travel at least 50 miles from home for Thanksgiving this year, and there's no Butterball hotline to help them with any bumps along the way.

What do a pop star, a Nobel Prize winner and our very own CEO, Tom Wilson, have in common? All were named to this year’s Forbes’ Future of Work 50 list, which recognizes those trailblazing new ways of working.

The Future Of Work 50 2023 Forbes’ 2023 list of 50 leaders, executives, thinkers and teams rethinking the world of work at a time when everything—from the job market’s future to AI’s impact to a college degree’s value—feels more uncertain than ever.

Auto Insurance Prices Are Rising. Here’s What You Can Do To Save Money Auto insurance rates are rapidly rising, outpacing inflation. Consumers have options and strategies to help with bearing the cost.

Big thanks to great volunteers supporting our communities! 💙 Allstate agents teamed up with The Allstate Foundation to provide Boys & Girls Clubs of Central Florida and Harbor House of Central Florida with art supplies for kids, food kits, and personal care items for domestic violence survivors. 🤝🌟

A true leader, on and off the field. Announcing your 2023 Allstate American Football Coaches Association Coach, Michael Locksley! 👏👏

This back-to-school season, The Allstate Foundation is teaming up with Allstate employees and agents to get needed resources into classrooms through DonorsChoose!

Allstaters can request two $50 donor codes: one to donate to a classroom of their choice, and one to share with friends and family to donate. Double the impact! 🙌🤩 View here: https://al.st/3EnH9sr

We’re here to help customers rebuild at our Mobile Claims Centers. See locations for filing in-person claims after the : https://al.st/405IyNK

Time flies

I don't post insurance stuff on my page very often, but I feel this information is relevant for the masses. I hope that you find the below information useful, and I hope that it helps explain what is happening in the insurance world today. It won’t matter what carrier you are with, this is an industry issue.

The insurance marketplace is tightening up and it's happening fast. It’s happening especially fast for home and auto insurance companies. This is regardless of what state you are in, however California, Florida, Louisiana and Texas are being hit especially hard. Carriers are pulling a full hard stop on issuing any new policies across the country, and carriers that have NOT put a moratorium on binding new coverage, are actually just leaving the market or they are selling to other carriers/merging. They simply can't operate profitably in this inflationary market. *EVERY DAY* we are hearing about a pause on new business, or a carrier putting a full stop on writing new policies. Some carriers are requiring *full premium payment* up front for new business or requiring a 20 to 30 day hold on new applications. Carriers may shift underwriting guidelines, so they *only* want preferred business… no claims within 5 years (not 3 anymore), home and auto bundles, etc. Some carriers will NOT reinstate coverage if it lapses, no matter the reason.
The market is disrupted and it WILL affect you. If it hasn’t yet, it will. I have personally seen premiums double and triple what they were the year before.
The cost of claims has risen exponentially in the past 2 years, thus resulting in the carriers having to raise premiums or pull out of some markets. In some states, carriers have applied for rate increases, but have not been able to get them approved, so they simply shut down for new business.
If you have an auto or home insurance policy, your rates have gone up, and if they haven’t, they will. This isn't personal, it’s not based on a claim you may or may have not had, it’s simply the cost of doing business. If you have *not* gotten a rate increase, be prepared for one at your next renewal, if you get renewal terms at all.
➡️The cost to rebuild your home is up dramatically due to the rising cost of materials and labor. Supply chain for materials continues to be an issue. We can all agree that everything has gone up in price. Carriers simply can’t survive paying these higher prices without charging more themselves.
➡️The cost to repair your car is up dramatically due to the rising cost of auto parts and labor to fix your car. In addition, parts in vehicles now include some technology features. Replacing a side mirror or windshield used to be $500 - now it’s more than triple that.
➡️The cost of medical care continues to skyrocket. Bodily injury on auto accidents is off the charts.
➡️Litigation is expensive and settlements are rising at an unprecedented rate.
➡️Both the frequency and severity of auto accidents are WAY up post COVID along with the rising frequency of auto fatalities.
➡️ReInsurance (the insurance your insurance carrier buys to help cushion catastrophic loss) is at or approaching capacity in many markets, and rising rates are unsustainable.
This is a significant issue affecting the property & casualty industry, and pricing correction is anticipated at least through 2024. It won’t be for forever, but it is here now.
There are some things you can do to help get through this current insurance market:
✅ Consider Higher Deductibles. This will help save some money on your policy.
✅ Safe Driving Telematic Programs. Telematics can reward you by giving you a discount for good driving.
✅ Discount Reviews - make sure you're getting everything you're entitled to. Every carrier has different discount opportunities. Make sure you go over those with your agent.
✅ DO NOT let your policy cancel or lapse *for any reason*. Carriers are not reinstating coverage as easily as they once did. If it does cancel, they may require premium in full before reinstating. This is across the board for every line of coverage.
✅ Bundle your Auto and Home for more discounts and more stable pricing. Bundled/Packaged policies most always include better coverage and benefits and the cost savings is usually 10-15% (or more) on each policy. Many business risks can also bundle options.
✅ Consider tenure - jumping companies too often will hurt you in the long run. In addition, some carriers won’t take you as a new client if you have less than two years with a carrier. And more importantly, carriers are getting off of some risks if a claim happens in the new business term or for the number of claims in a 3-5 year window. Tenure matters with a carrier.
✅ Follow the laws so you don’t get any tickets. Those tickets really add rate to your policy and stay on your record 3-5 years, depending on the carrier.
✅ Absorb small claims when you're able, and save coverage for catastrophic losses. Talk with your agent and let them claims counsel you should a loss happen. Stop using your towing or roadside assistance as a maintenance policy. Frequency of claims REALLY matters. A lot.
Lastly, please remember that we are agents for the carriers. We don’t make the rules, we don’t have control over the rates and we don’t make the decision if your policy is cancelled by the carriers. We are here to help educate, make sure you have the best insurance for your situation, manage your account and claims counsel when needed.
I hope this message explains a little bit of what is going on in the insurance marketplace. Please be nice to your insurance agent whatever company or companies they represent - they are also taking the same increases and doing their best to help you through this.

Hey everyone! 👋 I don't usually post about insurance, but I've got some important info to share that affects us all. The insurance world is going through major changes right now, especially for home and auto coverage. No matter where you are, this is a big deal.
Here's the scoop: Insurance companies are tightening up due to rising costs. Some are even stopping new policies altogether or leaving the market. It's a wild ride out there. Premiums are going up across the board – even if you haven't made a claim.
Home rebuild costs? 🏠 Up. Car repairs? 🚗 Up. Medical bills? 💉 Up. Lawsuits? 💼 Up. Car accidents and fatalities? 📈 Up. It's affecting us all.
But fear not, there are ways to navigate this storm:
Think about higher deductibles to save cash.
Consider telematics for driving discounts.
Review your discounts with your agent.
Keep your policy active – lapses are tricky.
Bundle auto and home for savings.
Stick with a carrier for stability.
Drive safely and avoid tickets.
Save claims for the big stuff.
Go for an experienced agent to guide you.
Remember, agents are here to help you through this. We don't control rates, but we're in your corner. Stay kind and patient – we're all in this together! 🤝

📢 Exciting Announcement to All Our Valued Clients! 🎉

Dear clients and friends of Tim Wilson Agency, we have some thrilling news to share with you today! 🌟

🏠 Drumroll, please... We are excited to announce that Tim Wilson Agency has now officially become TGH Insurance! 🚀

📣 Same Trusted Team, Fresh New Name: While our name has changed, our commitment to delivering top-notch insurance solutions remains unwavering. The transition to TGH Insurance marks a new chapter in our journey, and we couldn't be more excited about what lies ahead! 💼

💙 Same Exceptional Service: Rest assured, the dedicated team you know and trust is still here to take care of your insurance needs. Whether it's finding the perfect coverage for your home, auto, business, or life, we're here to protect what matters most to you.

🔍 What's in the Name? "TGH" represents our core values - Trust, Guidance, and Honesty. These principles have guided us for years, and we're proud to embody them in our new identity. Our mission remains unchanged - to be your reliable partner in safeguarding your future.

🏆 Celebrating Our Journey Together: We want to extend a heartfelt thank-you to each and every one of you who has been a part of our growth and success as Tim Wilson Agency. As TGH Insurance, we are excited to continue serving you with the same dedication and passion.

👍🏼 Please take a moment to LIKE our new page at www.facebook.com/tghinsurance to stay connected, receive updates, and access valuable insurance resources. 📚

💬 If you have any questions about the transition or your insurance coverage, don't hesitate to reach out to our team. We're here to assist you every step of the way!

Thank you for being a part of our journey. Together, let's embrace the future as TGH Insurance!

👍🏼🏠 Boost Your Insurance Knowledge with TGH Insurance! Like Our Page Today! 🚀

📢 Hey there, friends of Tim Wilson Agency! 👋🏼 Are you looking to stay informed about the latest insurance trends, helpful tips, and exclusive offers? Look no further! 🌟

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🔔 Stay connected, stay informed, and make the most of your insurance decisions with TGH Insurance. Let's ensure a secure future together! 🏡💙

As risk awareness has grown, more businesses are turning to the cyber insurance market for protection. Education, health care industries, and hospitality are particularly affected. https://safecosocialshare.page.link/EzEmE

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Have a Recreational Vehicle? We can insure almost any recreational vehicle. This includes Class A, B, and C motorhomes with values up to $1 million. We also cover fifth wheels and conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers valued at up to $300,000. However, these values may vary from state to state.
Connect with your Safeco independent agent today to determine the best coverage options for your RV. https://lmsafe.co/sgdk

Have a Recreational Vehicle? Have a Recreational Vehicle? Safeco can insure almost any recreational vehicle. This includes Class A, B, and C motorhomes with values up to $1 million. We also cover fifth wheels and conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers val...

Don't have the time or budget for a massive home remodel? No problem! There are many simple, inexpensive projects you can do in and outside your home that can make a big impact. https://lmsafe.co/ZQQH

Home improvement without spending thousands Don’t have the time or budget for a massive home remodel? No problem! There are many simple, inexpensive projects you can do in and outside your home that ca...

Considering a new car? Make sure your new ride is protected. While some auto coverage options are essential, new vehicles may carry some additional risks. Check out these four optional coverages to consider. https://lmsafe.co/yxYq

Coverage options to consider for your new car Considering a new car? Make sure your new ride is protected. While some auto coverage options are essential, new vehicles may carry additional risks. Check out these four optional coverages to consider.