Why Do Auto Rates Increase and What Can I Do About It?

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

Latest posts by Richard Hale (see all)

To stay viable, businesses are required to sustain higher revenues than expenses, and the auto insurance industry is no different. Auto insurers gain revenue from the premiums their customers pay and incur expenses when fulfilling their obligation to pay for damages. If total claims are higher than total premiums, the...