CHAMPAIGN, IL (Chambana Today) – With summer around the corner and insurance rates on the rise, Rachel Smithenry, a longtime insurance agent at InsureChampaign – The Hilb Group, is offering timely advice on how Illinois residents can reduce their insurance premiums and protect their property.

Rachel, who manages the Personal Lines Insurance Division — including home and auto coverage — has worked in the insurance industry for more than 25 years. Her first recommendation? Talk to your agent.

“Your agent is your expert advisor,” she said. “They know what discounts and coverages are available and can guide you through updates that could save you money.”

Rachel notes that InsureChampaign – The Hilb Group is an independent agency representing multiple insurance companies, allowing them to compare quotes when rates rise or a client’s needs change. “We’re happy to quote your insurance with up to 10 other companies we represent,” she said.

Some lesser-known discounts may apply to clients based on occupation, education level, or home safety upgrades such as generators or security systems. “We’ve got discounts for nurses, teachers, and even folks with a master’s degree. Plus, home features like backup sump pumps and alarms can earn you credits,” she said.

Raising deductibles is another way to lower premiums, though in some cases, competitive rates may allow clients to lower deductibles and still save. Rachel recalled a recent client who moved to their agency and was able to reduce her auto deductibles — from $1,000 to $250 for comprehensive and $500 for collision — and still paid less than before.

In addition to auto and home coverage, Rachel reminds customers to ensure their summer “toys” are protected. “We insure boats, motorcycles, campers, side-by-sides — everything you use for summer fun. Just give us a call.”

Residents can reach the office at 217-356-3111 or visit www.insurechampaign.net to get a quote online.

“Your insurance is only as good as your agent,” Rachel said. “That’s why it’s so important to know them, trust them, and keep them on speed dial.”