Andrea Luoni has more than 25 years of experience in the insurance industry and 12 years as the President and founder for Premium Rate Analysis, Inc.  Andrea has extensive experience in commercial insurance analytics, business development, marketing, risk assessment and negotiating contracts.

Prior to the founding of  Premium Rate Analysis, Inc. Ms. Luoni was a commercial insurance executive with Westland Insurance Brokers in San Diego,  a leading insurance brokerage firm focusing on medium to large commercial accounts.

She was also the founder of Gardenhire & Associates an insurance agency consultant to independent insurance agency owners.  The company assisted agents with profitable agency management techniques to improve client satisfaction and agency profitability. 

She began her career at Barney & Barney one of the largest independent insurance brokers in San Diego while attending college and was recognized as an ambitious asset and moved up through the company to become a licensed sales agent.   

Andrea's favorite quote – "I didn't think you would actually be able to do this"   author - many Ratecraft clients.  Andrea loves making what seems unbelievable a reality.