Colt’s Commentary – January 2023: Why Did My Auto Insurance Go Up After a Claim?

Hey there, Colt here!

We’ve heard it so many times, people are afraid to make a claim because they are afraid their premium rates will increase. 

I’m here to go over a few reasons that could be, and also reassure you that it doesn’t necessarily happen every time. 

  • One reason that might cause a premium increase after making a claim is that you might be losing a claims-free or accident-free discount depending on the policy and carrier. 
    • Even if you aren’t otherwise penalized for the claim, your rate would still show an increase because that discount you got when you started the policy would no longer apply. 
  • Another reason for a premium increase after a claim could be that your insurance carrier sees it as an increased risk that you would make another claim.


Copper’s Corner – January 2023

Hello and Happy New year!

The beginning of a new year is always so exciting with lots of possibilities like how many new people are going to pet me this year?!

My New Year’s resolution is to stop stealing my brothers’ toys… we’ll see how long that lasts…


McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –



Copper’s Corner – December 2022


It’s that time of year again! Here is a quote from one of my other favorite Christmas movies! 

Can you guess what it is? 

I’ll give you a hint, the four main food groups are:

  1. Candy
  2. Candy Canes
  3. Candy Corns
  4. Syrup

That’s right, it’s “Elf!”

I hope you can go sing some carols and spread lots of Christmas cheer this holiday season!

~Copper 🎅🎄

Colt’s Commentary – November 2022


Hey there,

It’s hard to believe that Thanksgiving is almost a week away, but can you imagine if it was postponed?

That happened to a town called Colchester in Connecticut in 1705 when Thanksgiving was postponed due to a molasses shortage.

Can’t have a Thanksgiving celebration without those delicious pumpkin pies!

Happy almost Thanksgiving!

-Colt 🦃

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –