If you were one of the 412,144 consumers who tuned-in to an Augusta radio station last week, then chances are you heard at least one commercial from GEICO, Progressive, or Liberty Mutual. That's because insurance is big business in the Central Savannah River Area.

Each year, CSRA consumers spend $780-million to insure their homes and cars. That's almost $1500 for every area adult.

There is good news and bad news for the 990 local insurance agents who are competing to earn a substantial share of the home and auto premiums consumers are paying.

According to Nielsen, 42,000 policyholders in the CSRA are planning to switch insurance providers during the next 12 months.

When Central Savannah River Area  consumers make their New Year's resolutions, many will have money on their minds.

A new study by Fidelity Investments finds that 67% of adults are considering a financial resolution for 2020. This is 10% more than last year.

The top financial resolution, among those considering one, is, 'saving more'. The study found that, when asked to choose, a vast majority of consumers would rather save $5000 than lose five pounds.

This fervor for finance is excellent news for CSRA small business owners who cater to savers and investors. This includes financial advisors, insurance agents, bankers, accountants, and mortgage brokers.

To compete for a fair share of these resolution dollars requires business owners to advertise. By any metric, the best way to reach potential savers and investors is on Augusta radio.

Eight months ago, Jonathan Wingard opened his own State Farm insurance agency in North Augusta, South Carolina. Since then he has added 120 new households as clients.

After about 30 days in business, Mr. Wingard began advertising on Augusta radio stations. "New customers come in all the time," he says, "and say they heard about us on the radio."

Mr. Wingard always knew he wanted to be in insurance. "I was introduced to the business in college by one of my elementary school teachers who had become a State Farm agent herself.  I liked her confidence. I liked the way she listened to people. I liked her professionalism.  I knew I wanted to be like that, too."

Before opening up his own small business, Mr. Wingard worked for another agency to "learn the ropes."  After four years, he was ready to go out on his own by absorbing 800 accounts from an agent who was moving out of town."

"When I started my business," says Mr. Wingard, "there were already six other State Farm agents in North Augusta. So, I knew I had to build my own brand to differentiate myself. Advertising was the way to go." 

"I do as much as I can afford," he says. "Since I opened, I have invested about 8% of the income generated by my existing accounts back into advertising."