Insurance Basics & Education

how insurance agents really get paid (and why it’s not coming from your wallet)
Insurance Basics & Education, Auto Insurance, General, Home Insurance

How Insurance Agents Really Get Paid (and Why It’s Not Coming from Your Wallet)

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You’ve probably seen ads promising to “cut out the middleman” and save hundreds on your insurance. It sounds logical — fewer people involved, fewer costs, right? But that’s not actually how insurance pricing works. Rates are filed and regulated by the state, and agent commissions aren’t tacked onto your premium like a hidden fee. In […]

How Insurance Agents Really Get Paid (and Why It’s Not Coming from Your Wallet) Read Post »

inside the insurance claims process
Insurance Basics & Education, Auto Insurance, Home Insurance

Inside the Insurance Claims Process (and Why So Many Get It Wrong)

Leave a Comment / Insurance Basics & Education, Auto Insurance, Home Insurance / /

When it comes to insurance claims, most people expect quick checks and straightforward answers. But once the paperwork starts, the process can feel anything but simple. At Gilded Oak Insurance, we talk to countless Texans who thought their claim would be easy — only to find out there’s much more behind every payout. In this guide,

Inside the Insurance Claims Process (and Why So Many Get It Wrong) Read Post »

are insurance rates rigged the real math behind what you pay
Insurance Basics & Education, Auto Insurance, Home Insurance

Are Insurance Rates Rigged? The Real Math Behind What You Pay

Leave a Comment / Insurance Basics & Education, Auto Insurance, Home Insurance / /

Why People Think Insurance Is a Scam It’s one of the most common frustrations I hear: “Why did my rates go up? I’ve never even filed a claim!” It’s easy to feel like insurance is rigged — that companies just raise prices because they can. But behind every premium is an enormous amount of data,

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