Why You Should Call Your Current Agent Back Before You Switch Insurance

Shopping your insurance is smart. Switching without a second opinion is not. Before you sign a competing proposal, send it to your current agent and let them read it line by line.

Your Agent Reads Declarations Pages for a Living

A competing quote is a sales document. A declarations page is a contract summary. Your agent can tell the difference in minutes and will spot the four things buyers almost never notice.

• A hurricane deductible that moved from 2% to 5%
• Roof settlement changed to actual cash value
• Liability dropped from $500,000 to $100,000
• Endorsements silently removed from the schedule

Independent Agents Can Often Match the Price

As an independent agency we place business with many carriers. If another market truly has a better rate for your risk profile, we can usually access it and keep your service, claims advocacy, and policy history in one place.

What to Send Us

Email the full proposal, not a screenshot of the premium. We will return a written comparison showing what changed and what it would cost to match your existing coverage.

• Full competing quote or declarations page
• Your current policy number
• Any recent updates: new roof, alarm, teen driver, renovation

Frequently Asked Questions

Will my agent be annoyed that I shopped around?

A good one will not. Reviewing competing offers is part of the job, and it frequently uncovers a coverage gap that would have cost you far more than the premium difference.

How fast can SunGate review a competing proposal?

Most reviews are returned the same or next business day. Call 407.878.7979 or send the proposal to our team.

Talk to a Licensed Florida Agent

SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.