Increasingly complex car technology and severe storms fueled by climate change have sent insurance rates soaring in recent years. “It’s very frustrating for everyone,” says State Farm agent Jose Herrera. “When rates go up, people think, ‘Oh, my agent doesn’t care about me.’ ” That’s partly why he still prioritizes face-to-face meetings. “I build relationships and find ways to help people. I can’t hide behind the phone.” Educating customers about regulatory changes, such as Virginia’s boost in minimum required liability coverage for auto insurance (effective Jan. 1, 2025), is an important part of the job. The good news? The D.C. area isn’t experiencing natural disasters of the same magnitude as other parts of the country, so home insurance rates aren’t climbing as steeply here. –Barbara Ruben
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