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Since the economy-wide inflation of 2021, auto insurance has become the proverbial four-letter word for household and small business budget conversations. Everyone has called our agency over these past four years looking for ways to reduce their auto insurance premiums. And while the economy is improving and inflation has stabilized, much of the price increase is now “baked into the cake” and prices do not go down from here. So, in an attempt to help our customers to NOT hurt

By Puharic & Associates, Inc. As the new year begins, many individuals and business owners take time to get their financial house in order. Billing processes are reviewed, expenses are scrutinized, and systems are adjusted to create a cleaner, more predictable year ahead. For many, this comes after several years of stretched budgets due to persistent inflation and rising costs across nearly every category. One area that deserves special attention—but is often misunderstood—is