John McAulay - State Farm Agent

Let’s put a few myths to bed that I see floating around out there:

1. “Insurers are making record profits while raising rates”

This is very easy to fact check. Insurers of autos and homes have been losing their shorts since 2021. Billions and billions of dollars to quote Carl Sagan. Some have gone under. The rest have tightened their eligibility rules.

2. “80% of your insurance premiums go into the pocket of your agent”

This whopper is being bandied about at times by lead aggregators - folks that get you to click their bait and sell your information to 6 or more insurance companies and charge each company $10-50 for the same lead and will continue to sell it for years to come.

The agent makes about 8% on your premium before salaries, rent, utilities, furniture, marketing, taxes, etc. This leaves about 2-3%, or $2-3 a month on a $100 a month premium.

3. “All insurance companies are the same. Just go with what’s cheapest.”

Two problems here - pricing is constantly changing and adjusting so there is a difference between cheapest today and who is consistently priced right year after year.

Second - companies are not the same. Why would they be? What other industry can you think of where it’s all the same? It’s not. There are good carriers and bad ones.

Nobody is happy with increasing rates. But insurance has faced the double whammy of inflation AND rates being held down for over three years during Covid. They can’t “write off the loss” or print money or borrow it. They are required to maintain a large reserve in case of catastrophic loss. Of which we’ve had many lately.

Thanks for reading this.

Welcome back to school! We had a successful senior sunrise this morning! Thank you to all who donated and participated in making this such a wonderful event.

Tell me the name of your best pet ever! Pictures are a bonus! Mine are in the comments.

John McAulay State Farm will open at 9:00am today, Monday, January 16th, 2024. If you have the need to file a claim for your Home, Car, etc. Please see below or give us a call at 601-798-4082. Stay warm and safe!

School has started back and our PMHS Lady Tide Volleyball team is excited to have some normalcy again! It’s GAME DAY for these girls! They will travel to Harrison Central tonight for a 5:30 and 6:30 game. Game Days are also Shout Out days! Thank you to John McAulay - State Farm Agent for sponsoring our game day meal! Thank you for your continued support to our program! Roll Tide Roll!

It looks like Hurricane Ida is going to make a significant impact in our area. Please take a minute to read these tips in preparation for storm damage and filing a claim.

1. Take pictures of the inside and outside of your home before and after the storm.

2. Take a video log or written inventory of your personal property inside your home (TVs, Furniture, Appliances, etc.)

3. Get together your important documents (from your insurance declarations page to personal documents like passports)

4. Know your Hurricane Deductible. It will apply for this storm.

5. Download our State Farm Mobile App http://st8.fm/clm to start a claim.

6. Contact our office at 601-798-4082 to reach our 24 hour/Catastrophe claims team.

Please be careful and safe! We are here for you Pearl River County!

State Farm® Mobile App - State Farm® State Farm® mobile app offers features that allow you to do your banking, report a claim, get roadside help, and a whole lot more! Download it today!