At Bragg Insurance Agency, we care about protecting our families, friends, and neighbors—especially our newest drivers hitting the road for the first time. If your teen is learning to drive or has recently received their license, there’s something you should know: rural roads can be deceptively dangerous.

Insurance is one of those things we buy hoping we’ll never need to use. And when we don’t, it can feel like we’re paying for something that doesn’t give us anything in return. But the real value of insurance isn’t in how often you “use” it—it’s in the security and peace of mind it provides every single day.

Technology is no longer a complement to the insurance industry; it’s a driving force. Insurers who embrace these advancements are not only improving their operations but also delivering better experiences and outcomes for their customers. For policyholders, the future of insurance promises greater convenience, personalization, and transparency.

If you are paying attention, you’ve likely noticed an increase in your insurance rates. This has many people asking why? In this blog post, I will give you some of the key factors contributing to the surge in insurance prices and hopefully give you some insights into the dynamics at play.