Attention Florida Homeowners: Are you paying too much for homeowners insurance? You're not alone. What if I told you that I have a proven process to lower your rates? Would you want to know more?
Day after day, I help my clients cut their Florida homeowners insurance rates—sometimes by as much as 75 percent!
And now I want to show you five simple, proven steps you can take to dramatically cut your rates, too. GUARANTEED.
I'll show you the industry-insider secrets your insurance agent might not want you to know!
Dear Florida Homeowner,
Hi, my name is John Bernard. I have been a Florida insurance agent for more than thirty years.
I know our insurance market is a mess and that your Florida homeowners insurance is outrageously expensive.
I know you open your statement and think, "There HAS to be a way to lower these rates!"
Believe me, I see it every day. And every day I am happy to be able to tell my clients, "You're right. There is a way to lower your rates. Let's get started!"
I can’t change the Florida insurance market—everyone from the governor to our Washington politicians has tried without making much difference. (I know—big surprise there.)
But what I can do is show you all the ways that you can lower your premiums, regardless of what company you are insured with today.
- Even if you have tried to change insurance companies
- Even if no one else will insure you except Citizens
What is the Rate Cutter Process?
It is the process I follow every day to lower my clients' insurance premiums.
It involves five simple steps that you and your insurance agent can follow to slash your rates by 25 percent, 50 percent, or more! The Rate Cutter Process will walk you through it and you can start saving money right away!- You don't have to change insurance companies.
- You don't have to switch to a different agent.
- The Rate Cutter Process works no matter where in Florida you live.
- The Rate Cutter Process works on nearly every type of property you want to insure.
- No hidden fees.
- No gimmicks.
- No surprises.
- Just lower rates!
I Saved Anna More Than $1,000!
Let me give you an example of what you can expect from my Rate Cutter Process. This is a very typical (and completely real) case study.
Anna called our agency looking for a way to lower her premiums. Like you, she was sick of paying too much for homeowners insurance—$2,330 in her case.
My plan was to set her up with a new insurance company that would charge her less than her current company, Citizens'. But that wasn't an option—her ZIP cod was closed to new business for that company.
She thought she was stuck with Citizens' and with her high premium. But I started going through the Rate Cutter Process with her right over the phone.
That's how easy it is!
We walked through the steps and she did exactly what I told her to do. In a matter of days, we had slashed her premium from $2,330 to $1,176!
Did you see that? With simple steps anyone can understand, she cut her premium almost in half.
And remember, it was a Citizens' policy. That means that if you have a Citizens' policy, the Rate Cutter Process can probably save you money, too.
No matter who your insurance carrier is, you can save by following the simple five-step Rate Cutter Process.
Imagine what you could do with the $30, $75, $100 or more per month that you now send to:
- State Farm
- Allstate
- Nationwide
- Citizens
- Or any of the “take-out” companies whose names you never heard before, until you were assigned to them!
Why your insurance agent might not want you to know about the Rate Cutter Process
In thirty years in the Florida insurance industry, I think I have seen all types. I know that most agents have only their clients' best interests at heart. But I also know some agents are in it just for the money. And under our current system, the higher your premium, the more your agent gets paid! Some people take advantage of that fact!
I'm not saying your agent is a bad person who intentionally jacks up your cost. It's just that the motivation to save you money is not there. Your agent might simply be more interested in getting new clents and expanding his business.
In other words, your agent might know this five-step Rate Cutter Process. But he or she might not yet have applied it for you.
My Rate Cutter Process will arm you with the information you need to make sure your interests are being protected. Simply buy the document, print it out, take it to your agent, and say, "Please do this to cut my premiums."
It's so simple you could even do it over the phone. I do. Every day. With people just like you.
How long will it take? I want to save money on this month's budget, not next year's!
You can go through most of the steps over the phone with your agent in less than 15 minutes. One of the steps might take a day or two because it involves a third party. At the most, you should have a new, lower rate quote in two or three days. Your agent can then rewrite your policy and your next month's payment will be reduced.
Do I need an agent? Can't I just do the steps myself?
According to Florida law, only licensed insurance agents can make changes to a homeowners insurance policy. The Rate Cutter Process stresses the need for you to work with a knowledgable, well-informed agent when using this process. So, while you can do much of the legwork yourself, you will need an agent to make the changes for you.
Will my agent charge me to make changes to my policy?
No agent should ever charge you to make any of the changes you decide to make using the Rate Cutter Process.
Are there any hidden fees in your Rate Cutter Process?
No. Only one step involves a cost to you, but my Rate Cutter Process will show you how to save money on that step. You will pay less than you would for taking that step without my help.
Why should I pay for something that my agent will do for free?
You're paying to arm yourself with information so that you know which questions to ask your agent. While he won't charge you to make the changes I'll teach you, you can't tell him which changes to make if you don't know them. If calling him up and saying, "Please lower my premiums" worked, you wouldn't be here now.
Will I have to change insurance companies?
No. The simple steps in my Rate Cutter Process will work with nearly every company that provides insurance in Florida.
I am so certain that my Rate Cutter Process will save you money that I guarantee it. That means you can try it, risk free.
If you walk through the five steps with your agent and it does not cut your premiums by at least the amount you paid for the document, I'll refund your purchase price!
That's right. Buy the Rate Cutter Process. Do the steps with your agent (or e-mail me—my email address is in the document). If your new premium is not reduced by at least the amount you paid for the Rate Cutter Process, I'll refund your purchase price.
Manuel saved $769 on his policy!
Manuel called me when he saw one of our ads that said we could replace his Citizens policy with another, less expensive company.
However, when I told him the company name he said he already had a quote from them and it was not much less than the Citizens price. And anyway, in order to get that price, he had to get an inspection that his other agent said would cost $150.00.
"I know someone who will do it for $85," I said, and then asked him if he would spend the next 10 minutes going over his existing Citizens policy with me over the phone. I told him, "I just want to see how much we can save you by using a Process I'm writing up."
So we went completely through the process, step by step. We were able to trim the unnecessary fat out of his policy, and, even without yet having the inspection, I could safely estimate the discounts he would qualify for.
End result: he started with a $2,089.00 annual premium, and his new premium with the same company will be $1,320.00. And maybe even less after we get the final inspection results (which I'll tell you about in the Rate Cutter Process).
Total savings: $769.00 annually, or 37%!
He said that his current agency never mentioned any of these things, so I will be writing him a new policy with the same insurance company he's already with but for 37% less!
Did you see that? In 10 minutes, with easy steps, Manuel saved $769 per year! Short of cutting the groceries out of your monthly budget, there might be no easier way to save money!
OK, John, I get it. How much?
It would be worth it to you to pay up to $1,000 for my Rate Cutter Process Why? Because if it didn't save you at least that much, I would refund your money.
But I'm not charging $1,000. Not even $100.
For a limited time, you can get the Rate Cutter Process for the reduced price of $39.95!
That's 10 dollars off the regular price because I want you to be one of the first to lower your insurance premium using my five-step process.
Your Satisfaction is 100% guaranteed. Buy the Rate Cutter Process. Do the steps with your agent (or e-mail me—my email address is in the document).
If your new premium is not reduced by at least the amount you paid for the Rate Cutter Process, I'll refund your purchase price.
