At Hicks Insurance, we use an operating system that reviews your renewals as they come into our system. You’ll get an email or text letting you know we’re reviewing it. You’ll then get an email or text letting you know you’re already the most competitive, or that we have another option for you, followed by an email or phone call from our review specialist to go over the proposal.

Renewal review is not a bonus service in our office — it is a built-in process driven by our agency management system. As your renewal arrives from the carrier, our system flags it for review automatically. You get an email or a text letting you know we are looking at it. Then you get a follow-up letting you know one of two things: either you are already the most competitive option on the market, or we have found a better fit and want to walk you through it. A specialist on our review team handles the proposal conversation by phone or email. The point is that you never have to remember to ask whether your policy is still right. We are already on it.

Why this matters in real dollars

Rates change every year. Carriers re-rate based on loss experience in your zip code, in your vehicle class, and in your business segment. A carrier that was the best fit three years ago may be twelve percent more expensive than another option today, and the only way you would know is by re-shopping. Most clients do not have time to re-shop their own policies — they shouldn’t have to. That is part of the broader case for shopping insurance rates every year and one of the reasons switching agencies often does save money — not always, but often enough to be worth the look.

The renewal that arrives quietly in your inbox is usually the one that needed the closest look.

What the review actually looks at

Our review is not just a price comparison. The specialist checks whether your coverage limits still match what you own, whether anything has changed in your household or business, and whether new endorsements or discounts could help. We look at gaps and overlaps, we look at whether your coverage is outdated, and we look at whether your umbrella limits are still appropriate. If price is competitive and coverage fits, we tell you so — we are not going to recommend a move just to recommend a move. If you’d like to put your account into this review cycle, start a personal insurance quote and we will fold your renewal into our system going forward.

The communication you should expect

You will hear from us at three points around each renewal. First, a heads-up that the renewal arrived and is being reviewed. Second, a status update — either confirming the renewal is your best option or flagging that we have a better alternative. Third, if there is a better option, a direct conversation with our review specialist to walk through the proposal in plain terms. You will not have to chase us down, and you will not be surprised by anything on your renewal. For a sense of how this fits with single-point-of-contact service, see how our point-of-contact model works and how quickly we respond to service requests.