5 Things Most Insurance Companies Won’t Tell You (But We Will)
Let’s be honest: learning about insurance as a young adult isn’t exactly the most thrilling topic. But you know what is thrilling? Not overpaying. Not being caught off guard by fine print. And definitely not dealing with surprises when you need help the most.
At Wells Insurance, we believe in keeping it real. So here are 5 things most insurance companies won’t tell you... but we will—because adulting is already hard enough without all the insurance mystery.
1. You’re Probably Paying for Stuff You Don’t Need
Most companies will upsell you on coverage “just in case.” And sure, sometimes more coverage makes sense—but sometimes, it’s totally unnecessary.
Our Advice: If your car is older, you probably don’t need full coverage. If you rent a furnished apartment, you might not need as much renters insurance. Customize your plan to fit your actual life.
2. Your Loyalty Might Be Costing You
Staying with the same carrier for years sounds responsible, right? But unlike your favorite coffee shop, insurance companies don’t reward loyalty like they should. In fact, rates often go up over time—without you even noticing.
Our Advice: Shop around at least once a year. Or better yet, have someone do it for you (keep reading 👇).
3. Bundling Isn’t Always the Best Deal
We know—“Bundle and save!” is everywhere and sometimes it’s true. But other times, bundling your home, auto, or renters insurance can actually cost more than buying separate policies from different companies.
Our Advice: Always compare bundled vs. unbundled quotes. Don’t just assume you’re getting a deal because the gecko, caveman, or some guy named Jake says so. Speak to a real human at Wells to compare rates.
4. Filing a Claim Can Increase Your Rates
Yes, your insurance is there to protect you—but every claim you file gets noted. Even small ones. And depending on the situation, your rate could go up after.
Our Advice: If the damage is minor and repairable out-of-pocket, it might be cheaper in the long run to skip the claim. Talk to an agent you trust (👋 hey, that’s us) before deciding.
5. Not All Insurance Agencies Are the Same — And That Matters
Here’s the big one most companies won’t admit: buying direct from a big-name insurer often means you’re stuck with their pricing, their policies, and zero help navigating it.
But Wells Insurance? We’re an independent agency. That means:
✅ We’re not locked into one company.
✅ We shop around multiple top insurers for you.
✅ We help you compare policies and prices (so you don’t have to).
✅ We work for you, not the insurance company.
Our Advice: Think of us like your insurance BFF—we’ll do the annoying stuff (like quoting and comparing) and help you find the best deal for your life and your budget. You don’t need to figure it all out on your own.
Bottom Line: Insurance Doesn’t Have to Be a Mystery
The more you know, the more money you save—and the better protected you are. At Wells Insurance, we’re not here to sell you fluff. We’re here to help you understand your options, find the best coverage, and feel confident doing this whole “adulting” thing.
📲 Ready to get started (without the stress)? Hit us up, and then download the Wells Insurance app to manage your policies, whenever you need them.
