The McBride Agency

Your Teen’s Driving Habits Could Save Their Life—And Cut Your Insurance Bill Let’s talk about telematics and why it matters for your teen driver. What is it? It’s an app or device that tracks speed, braking, acceleration, and phone usage while driving. Why should you care? Teens who use telematics are 20% less likely to be in a fatal accident. That’s not just a stat—it’s reality. Many insurance companies offer serious discounts for using it, which means safer roads and lower costs. If your teen is driving without it, you’re missing out on better rates and better peace of mind. Want to know how to set it up? Let’s talk.

Is Your Life Insurance Set Up the Way You Think It Is? A family member of mine passed away recently. They had a life insurance policy—but when we checked, none of the beneficiaries were family. No children. No spouse. No one who should have been taken care of. I don’t know how it happened, but I do know this: it was too late to fix it. Losing someone is already hard enough. The last thing you want is financial chaos on top of grief. So take a few minutes today: ? Check your beneficiaries—make sure the right people are listed. ? Review your coverage—does it actually meet your family’s needs? ? Talk to your agent—a quick conversation now can save a lifetime of stress later. If you need help reviewing your policies, I’d be honored to help. Shoot me a message, and let’s make sure you and your family are protected the way you expect.

Ever felt invisible as a customer? This morning, I grabbed breakfast through the McDonald’s app. Quick order, pull up, check in—easy. A few seconds later, an employee walks out with my bag and says, “Good morning, Patrick, here you go.” I’ve never met this person before. But in that moment, I wasn’t just an order number. I was a person. McDonald’s, the largest fast-food chain in the world, figured out how to create personal connection in a system designed for speed. If they can do it, why can’t every business? That’s exactly why our agency does what we do. Every piece of technology, every automation, every process we put in place has one goal—to give our team the time and capacity to connect with you. Because insurance isn’t about policies. It’s about people. If your agent treats you like just another renewal, it’s time to #DecideMcBride and find one who doesn’t.

If you’ve ever been in an accident that wasn’t your fault, you might think it won’t impact your insurance. Unfortunately, that’s not always the case. Insurance companies rate everything. Even if you weren’t at fault, that claim can still show up on your record and affect your future rates. The best move? Talk to your agent. If another driver was responsible, make sure the claim is filed under their policy—not yours. It could save you money in the long run. Got questions about your auto insurance? Drop a comment or send a message.

If Your Agent Won’t Call You, Fire Them. Last week, I was in a Facebook group with a bunch of insurance agents, and someone asked, “Do you call your clients when their policies cancel for non-pay?” The overwhelming response? NO. If you’re an agent and you’re not making that call, let me just say—thank you. Seriously. You make my job easier. Your refusal to go the extra mile is why clients come to us. If you’re a business owner or policyholder, read this twice: If your agent won’t even pick up the phone to call you when your policy is about to cancel, they care more about protecting themselves than protecting you. ?? Find a new agent. ?? Find a new agent. ?? And in case it wasn’t clear—find a new agent. You deserve someone who actually gives a damn. If your agent is just sitting back, hoping the carrier handles it, they’re failing you. And if that’s happening to you right now, let’s talk. I’m Patrick McBride, and my agency is built to actually protect people. We’re here to create a modern insurance experience without losing the personal connection that matters. If your agent won’t fight for you, I will. Drop a comment or DM me.

Stop Overpaying for Life Insurance—There’s a Smarter Option Had a conversation with a client the other day who couldn’t decide between term life and whole life insurance. They wanted affordability and long-term security—but didn’t want to overpay for coverage they didn’t actually need. Solution? Transitional life insurance. ? Higher payout during your peak earning years (when your family needs it most). ? Lower, permanent benefit after 65 to keep costs down. ? The best of both worlds—without breaking the bank. Most people don’t even know this is an option. If you’re looking at life insurance and want to make sure you’re making the right move, let’s talk. Drop a comment or DM me—I’ll make sure you’re covered the way you should be. —Rachel, The McBride Agency

Your Insurance Sucks—And You Know It. Last night, my family got a brand-new couch. After months of research, reviews, and dragging my kids to every furniture store within 50 miles, we finally picked the perfect one. It was delivered, assembled, and ready to go. Then I look over at my 10-year-old—tears in his eyes. He wants the old couch back. The one that was always there. The one he knew. Sound familiar? That’s exactly how most business owners treat their insurance. They stick with what’s comfortable, even when it doesn’t fit anymore. Even when it’s costing them thousands. You know your rates are climbing. You know you should be looking at safety programs, fleet management, return-to-work strategies, and risk assessments. But instead, you do nothing—because change is inconvenient. Your insurance is a symptom of your choices. And if your agent isn’t pushing you to rethink the way you manage risk, you’re paying for their laziness. If you’re ready to stop throwing money at the same old problems, let’s talk. #DecideMcBride and a comment or DM me, I’ll tell you if your coverage is actually protecting you or if you’re just clinging to a security blanket that’s screwing you over.

You’re Overpaying for Insurance—Here’s Why. You’ve got general liability, commercial auto, and workers’ comp (or at least you should—if not, go fix that). But let’s talk about how much money you’re wasting on deductibles and self-insuring. If you’re not filing a claim unless the damage is over $3,500, why the hell are you paying for a $500 deductible? You’re paying for insurance you don’t even use. This isn’t about cutting corners—it’s about being smart. Your deductible strategy should match your risk tolerance. If you’re self-insuring small claims, stop paying for coverage that doesn’t serve you. And while you’re at it, have you actually checked whether your employees’ tools, non-owned or hired autos, or equipment are covered? These are small additions that can save you big. If your agent isn’t having this conversation with you, you’ve got the wrong one. If you want a real breakdown of your risk—and how to stop overpaying— #DecideMcBride and drop a comment or shoot me a message.

Are you tired of feeling ignored by your current insurance agent? One of the main reasons we see commercial clients move to our office is the lack of responsiveness from their existing agent or agency. It's frustrating when you don't hear back, and the number one mistake people make is assuming all agencies are the same. But it doesn't have to be this way. At The McBride Agency, we've designed a better approach to client service. Our team has built-in automated reminders, robust onboarding sequences, and comprehensive renewal processes to ensure no client ever feels neglected. Whether it's a renewal date or an onboarding sequence, we are always timely and responsive. However, when it comes to proposals, it's disheartening when prospective clients who complain about unresponsiveness become unresponsive themselves after we put in all the work. We believe businesses need to take responsibility for engaging with agencies that match their values and needs. That’s why we focus on connecting with like-minded businesses. Choose to engage with an agency that prioritizes your needs. Connect with The McBride Agency today, and let's build a responsive and reliable partnership. Don't settle for the old way; it’s time to experience unparalleled service.

Have you ever dealt with back-to-back claims on a commercial property policy? One of our clients recently faced a challenging situation that highlights a common but significant issue. The client’s property, a 5,500 square-foot two-story building with a small third-story section, experienced severe damage when a storm ripped off the roof. The building’s structure was compromised, and unfortunately, they couldn't find anyone to tarp it up to prevent further damage. Here's the kicker: another storm came through before any repairs could be made, causing even more damage. Now, typically, you would have to file two separate claims for two different events, leading to two separate deductibles. For those with split deductibles for wind or hail, this means a hefty initial deductible for the first event and potentially being stuck with another for the second event. Additionally, if steps weren't taken to mitigate further damage, the second event might not even be covered. It shouldn't be this way because there's a more efficient approach. Ensuring you have a rapid response plan and service providers lined up beforehand can drastically reduce the impact of subsequent damage. When you act swiftly to mitigate further damage, you can avoid multiple deductibles and ensure coverage. Take proactive steps today, or risk facing compounded costs and non-coverage for future storm damages. Let's be better prepared and avoid unnecessary complications.