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Home > Author > Andrea Luoni
Andrea Luoni

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Member Since: Jun, 2010

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  Andrea Luoni

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Queen of all things insurance - Insurance consultant to business and individuals making the system work for you.

Background Information

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

Prior to the founding of  RateCraft, 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.   


Ms. Luoni has written a monthly column for the San Diego Apartment Association and had numerous speaking engagements with local business groups and as a guest on 760KFMB talk radio.

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.


If not pursuing the endeavors of consumer advocacy in the insurance sector you will find Ms. Luoni competing at a top level in triathlons and running events around the world, or playing Mom to the love of her life, her daughter.

Birth Place
San Diego, CA United States
Contact Information
6977 Navajo Road, #179 
San Diego CA 92119   USA
Contact Author: Andrea Luoni

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