If you've opened your auto insurance renewal over the last few years and felt a little sticker shock, you're not alone.

Since 2021, drivers across Indiana and the country have experienced some of the largest auto insurance rate increases in decades. Many households saw premiums increase by 10%, 20%, or even more, despite having no accidents or tickets.

The good news? There are signs that the market is finally beginning to stabilize.

In a world of apps, websites, 15-minute quotes, and endless commercials, it’s fair to ask: “Do I really still need a local insurance agent?”

The short answer? Yes—now more than ever.

At Bragg Insurance Agency, we understand that insurance isn’t always exciting. Most people don’t wake up in the morning excited to review deductibles, liability limits, or policy exclusions. But when life happens—a storm damages your roof, your teenager has an accident, your business gets sued, or your rates suddenly increase—you want someone in your corner who knows your situation and is ready to help. Here’s why working with a local independent insurance agent still matters.

Sheridan is experiencing steady population growth with an increase from 2,665 residents in 2010 to over 3,250 in 2022. While growth brings new opportunities, it also impacts insurance rates in ways many you may not realize.

Insurance is an essential part of financial planning. It providing peace of mind and protection against life’s unforeseen events. However, the cost of insurance can strain your budget. Along with everything else, inflation is causing insurance rates to rise. The good news is that you can save on insurance without compromising the quality of your coverage. Here are some tips to help you save:

We’ve all been there—running late, in a hurry, and tempted to press a little harder on the gas pedal. But while speeding may seem like a quick solution to save a few minutes, it comes with serious risks that far outweigh any time gained. Slowing down when driving isn’t just about following the law; it’s about saving lives. Whether you're in a bustling city or a quiet rural area, reducing your speed can make all the difference in preventing accidents, reducing injuries, and keeping our roads safe. Here’s why slowing down when driving is crucial for saving lives.

When it comes to managing your finances, finding ways to save on home and auto insurance can make a significant impact. Insurance premiums can add up quickly, but with a few strategic steps, you can reduce these costs without sacrificing coverage. Here are three great ways to save money on your home and auto insurance:

Liability insurance is a critical component of any comprehensive insurance plan. It provides financial protection and peace of mind to individuals, businesses, and organizations by covering legal and financial responsibilities in case they are found legally responsible for causing harm to others. However, it's essential to understand the scope of liability insurance coverage and what it does not cover to ensure you have the right insurance for your needs.

Windshield and glass breakage, it’s our most common claim here at Bragg Insurance Agency.   With all of the hazards and road construction that we have, it’s a wonder that we all don’t have broken windshields.

In the past, replacing the windshield wasn’t that big of a deal.  Just $200 or $300 would have easily covered the replacement of a broken windshield; Not any more.

1. Match your coverages to your specific needs. Insurance is not one size fits all. Have your agent explain each and every coverage that you are paying for. Use this information to help determine if your coverage fits your circumstances.

Inexperienced drivers have accidents. Of course they do; anyone learning a new set of skills is bound to make a mistake. In fact, new drivers between the ages of 16 and 22 are 96% more likely to have some type of auto accident. It may just be a fender bender or something much more serious. They’re going to have an accident; the severity is the question.