You're Probably Paying Too Much for Insurance.
Rachel Johnson compares 30+ insurance carriers to find you better coverage at a lower price. Most clients save significantly each year.
Find Out What You're Overpaying0+
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Free Review
The Overpaying Problem Is Real
We've run the numbers across 1,500+ client reviews. Here's what we found.
Rate Check: How It Works
No sales pitch. No commitment. Just a straightforward rate comparison.
Tell Us What You Have
Share your current policy details, including carrier, coverage limits, and what you're paying. It takes about 5 minutes. No social security number, no commitment, no pressure.
We Shop 30+ Carriers
Rachel runs your profile through every carrier we represent. Same coverage, different prices. The results usually surprise people. The spread between the cheapest and most expensive carrier is often hundreds of dollars.
See Your Savings
Rachel presents your options side by side: what you're paying now vs. the best rate she found. If the savings are there, she handles the entire switch. If you're already at the best rate, she'll tell you that too.
Where Clients Save the Most
Based on 1,500+ client reviews. Individual savings vary.
Why Paying More Doesn't Mean Getting More
The Captive Agent Problem
- ✕Sells only one company's products
- ✕Can't shop rates across carriers
- ✕No incentive to find you savings
- ✕Renews your policy without review
The Apex Advantage
- ✓Shops 30+ carriers for your best rate
- ✓Finds the lowest price for your coverage
- ✓Annual review uncovers new savings
- ✓Switches you to better coverage automatically
Are You Overpaying?
Answer 3 quick questions to find out if you could be saving money on insurance.
Question 1 of 3
What type of insurance are you looking for?
Everything You Need. One Agent.
Home Insurance
Your home is your biggest investment. We shop 30+ carriers to make sure you're not overpaying for protection. Most homeowners save when we re-shop their policy.
Auto Insurance
Car insurance rates vary wildly between carriers. Same driver, same car, completely different prices. Let us find the carrier that wants your business the most.
Business Insurance
Proper coverage at competitive rates. We compare commercial carriers to find the right protection for your business without the inflated premiums.
Bundle & Save
Combine your home, auto, and umbrella policies for maximum multi-policy discounts. Bundling typically saves an additional 15-25% on top of our already-lower rates.
We compare rates from top-rated carriers
Real Savings. Real Clients.
“I had no idea I was overpaying by that much for years.”
“Rachel found gaps in my old policy AND saved me money.”
“My old agent never once mentioned I could save this much.”
Your Agent: Rachel Johnson
I started Apex Independent Insurance because I got tired of watching people overpay. After 8 years in the captive agent world, I saw the same thing over and over: good people stuck with overpriced policies because their agent couldn't shop the market.
Now I work for you, not for any single carrier. I compare 30+ insurance companies to find you the best rate for the coverage you actually need. No sales pitch, no pressure. Just a straightforward comparison and an honest recommendation.
More About RachelWhat Our Clients Say
I've been with the same insurance company for 12 years. Rachel showed me I was overpaying by hundreds a year. Switching took 20 minutes.
As a small business owner, I thought my rates were just 'the cost of doing business.' Rachel proved me wrong and found significant savings.
No pressure, no gimmicks. Just a straightforward comparison that showed me exactly what I was overpaying. Wish I'd done this years ago.
Frequently Asked Questions
Nothing. Zero. We're paid by the insurance carriers, not by you. Our rate comparison is completely free, and there's never any obligation to switch.
No. We don't cancel your old policy until your new one is active. There's never a gap in coverage. We handle the entire transition so you don't have to worry about a thing.
Because we shop 30+ carriers instead of just one. Captive agents can only sell their company's products. We find the carrier that offers the best rate for your specific situation.
Then we'll tell you. About 15% of the time, we find that someone's current policy is already the best deal. If that's you, we'll confirm it and you'll have peace of mind.
About 15 minutes of your time. We collect your current policy info, run it through 30+ carriers, and show you the results. Most people see their savings within 24 hours.
Absolutely. When you need to file a claim, you call us first. We advocate on your behalf with the carrier to make sure your claim is handled quickly and fairly.
Ready to Stop Overpaying?
Get a free, no-obligation rate comparison from Rachel. In 15 minutes, you'll know exactly how much you could save by switching.
Get My Free Rate ComparisonWe compare rates from these top-rated carriers