Jeromy Comandini - State Farm Insurance Agent

Do you set yours on fire or lightly toast your marshmallows? I lightly toast.

Let’s put a few myths to bed that I see floating around out there:

1. “Insurers are making record profits while raising rates”

This is very easy to fact check. Insurers of autos and homes have been losing their shorts since 2021. Billions and billions of dollars to quote Carl Sagan. Some have gone under. The rest have tightened their eligibility rules.

2. “80% of your insurance premiums go into the pocket of your agent”

This whopper is being bandied about at times by lead aggregators - folks that get you to click their bait and sell your information to 6 or more insurance companies and charge each company $10-50 for the same lead and will continue to sell it for years to come.

The agent makes about 8% on your premium before salaries, rent, utilities, furniture, marketing, taxes, etc. This leaves about 2-3%, or $2-3 a month on a $100 a month premium.

3. “All insurance companies are the same. Just go with what’s cheapest.”

Two problems here - pricing is constantly changing and adjusting so there is a difference between cheapest today and who is consistently priced right year after year.

Second - companies are not the same. Why would they be? What other industry can you think of where it’s all the same? It’s not. There are good carriers and bad ones.

Nobody is happy with increasing rates. But insurance has faced the double whammy of inflation AND rates being held down for over three years during Covid. They can’t “write off the loss” or print money or borrow it. They are required to maintain a large reserve in case of catastrophic loss. Of which we’ve had many lately.

Thanks for reading this.

Thank you Scott Smith for this insight.

Anyone looking for seasonal work in an office setting?

Shelter pets are not broken; they're just waiting for someone to give them a chance. Join us on Day in celebrating the 3.2 million shelter animals who find loving homes each year.

This April, we're shining a light on Stress Awareness Month. 🕯️ Stress can impact every aspect of our lives, but it's essential to remember that we have the power to manage it. Take small steps to prioritize self-care, set boundaries, and seek support when needed.

Anyone with rental properties in CT who insure with Foremost please call us! 860-489-4882. They are non-renewing all of these policies!

Hey, Millennials and Gen Xers! It's time to kick-start your retirement planning. Beginning early is key to preparing for your future. Click the link to learn more.

Millennials & Gen X Retirement Planning Millennial retirement savings advice is proving less effective for Gen X & Millennials. Discover how to take actionable steps to create a more secure future.

Did you have a great experience with the team at Jeromy Comandini State Farm Agent? We'd love to hear about it! Please leave us a review and share your positive experience. 🌟 https://myinsurancect.com/reviews

Spring is here, bringing warmer days and perfect golf weather! 🌞🏌️‍♂️ As we celebrate , I'm curious: Are you as thrilled as I am to hit the golf course?

Their food is amazing! Please support local small business.

Located in the heart of downtown Torrington, Toothpick is an Asian-inspired street food café that is designed for quick, easy, and delicious on-the-go eating! 🥟 Make Toothpick a stop during a Day Trip in Torrington, which you can plan here https://www.discoverlitchfieldhills.com/day-trips
📸: Toothpick
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Keep your business safe. Call us at (860) 489-4882 to discuss .

On this , consider choosing pet insurance for your furry friend. It's a decision that goes beyond today and could safeguard their health for years. Call our team today at (860) 489-4882. 🐾🐱

April is Distracted Driving Awareness Month, and we're committed to keeping our roads safe! 🚗 Stay focused and avoid distractions like texting, eating, or adjusting the radio while driving.

Power outages can happen when you least expect them. Are you ready? Use generators properly: outdoors and clear from windows. Discover more by clicking the link below.

Power Outages | Ready.gov Learn how to protect yourself during a power outage and stay safe when a power outage threatens. Power Outage Tips During a Power Outage Generator Safety After a Power Outage Associated Content Extended power outages may impact the whole community and the economy. A power outage is when the electric...

Big changes are happening at Jeromy Comandini State Farm Agent! 🌟 We're thrilled to announce our move to 954 E Main St Suite 3! 🏠 Swing by our new location to say hello and explore how we can protect what matters most to you.

Happy ! 🌳 Where's your favorite spot to stroll in Torrington? Share with us and let's celebrate the beauty of our local parks! 🚶‍♂️🍃

Know what to do in case of an auto accident. 🚘 Visit our State Farm Simple Insights for helpful guidance. Knowledge is power when it comes to road safety! https://st8.fm/49IFThi

Stop by Jeromy Comandini State Farm at 1009 E Main Street for personalized insurance options. Jake and our friendly team is ready to assist you!

Congratulations Clara! Stay safe and thank you for all you do for your community!!!

Firefighter Clara Elliott has spent the last few weekends at Litchfield County Regional Fire School learning how to drive Fire Aparatus in preparation of the Q Endorsement Assessment.

Torringford Volunteer Fire Department would like to congratulate Clara for passing the state assessment this past weekend.

We are looking forward to seeing you on scene in 17!

Torringford Volunteer Fire Department is continuously recruiting and training, so if you are curious about volunteering, or would like more information about our Cadet Program, please shoot us a message, come down to the station at 6:15PM on Tuesdays, or visit us at https://www.torringfordfd.org/apply-now

Your local Fire Department needs you!

Happy 20th Anniversary to the love of my life, Diana! 🎉 Here's to us, to our love that grows stronger with each passing year, and to the many more years of joy, adventures, and happiness ahead!

Need to know what repairs home insurance covers? 🛠️ Read our State Farm Simple Insights article for . Get informed about your coverage! https://st8.fm/3OWeVdZ

Let the Pi Day celebrations begin! It's time to savor a slice of your favorite pie. Tell us which flavor steals the show in your book by dropping a comment below. 🍰🗳️

Let’s go!!! Bristol Gators - 12U

Loved your experience with Jeromy Comandini State Farm? We'd be grateful if you could leave us a review! 🌟 Your feedback helps us grow and serve you better. https://st8.fm/3QxZ59c

Protect your home with Jeromy Comandini State Farm. 🏠 Call us at (860) 489-4882 to determine the perfect home insurance plan for you. Let's safeguard your sanctuary!

We're moving! 🚚 Visit us at our current office before we move to 954 E Main St, Suite 3, Torrington, CT, on April 1.

Stay safe during ! 🛡️ Check out our State Farm Simple Insights for tips. https://st8.fm/3OWdI6r

Happy Employee Appreciation Day! I've got a special shout-out to our Jeromy Comandini State Farm stars: Justin, Jena, and Sean. Your hard work and commitment are what make us great. Here's to you!

Happy Leap Day! Do you know anyone who is celebrating their birthday today?

Stay cozy and safe! Curious about the safety of electric blankets? Check out this informative article from State Farm on the ins and outs of electric blanket safety.

Are Electric Blankets Safe? >Before you plug in your cozy electric blanket, heated blanket or even a pet heating pad consider these safety tips.