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Saved 25% which was $65,000

Saved 48% which was $38,000

Who We Are

The Insiders Guide

Established in 1996, Premium Rate Analysis, Inc. (now known as RateCraft) has been lowering business insurance premiums by as much as 74% for more than 14 years. We market your insurance based on the coverages you provide to us.

We obtain as many quotes as possible allowing for the most competition on your account. The quotes must be equivalent to the rating and coverage of your current carrier or we do not consider them a viable option. You of course always make the final decision.

We can bring our expertise to you at a very low cost. We make it a win/win. We simply take a percentage of the amount you save on your insurance premiums. There are never any up front fees.

Our service is easy to use and...it works. We encourage your feedback and comments and look forward to helping you reduce your insurance premiums.

RateCraft Blog

Meet RateCraft

Andrea Luoni – President
	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. Read More

Larry O'Shea – Vice President of Sales

Larry graduated Cum Laude from the University of Dallas, in 1984, after lettering all four years and captaining the golf team for the last three. He received his Juris Doctorate from Pepperdine University School of Law in 1987, and has been a practicing attorney in the state and district courts of California for the past 21 years. He is also a licensed real estate/mortgage broker and also licensed with the California Department of Insurance.

Chis Ochs – Director of Marketing
	Chris Ochs brings 15 years of sales and marketing experience to RateCraft. He has developed and refined sales programs for companies ranging from consumer products, to local search and advertising, to email deliverability. In every situation, Chris grew revenues greater than 75% within the first year. Read More