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Meet The Team


With a friendly and knowledgeable team, Preferred Rate will help you with all of your insurance needs. Give us a call today!

Mike Cafaro
Life, Health, Propety & Casualty, and Personal Lines Insurance Agent

O: 319-234-0500

Michael is a licensed Life, Health, Property & Casualty and Personal Lines Insurance Agent.  Before starting the Agency, he was with Farmers Insurance. Michael attended Columbus High School and the University of Upper Iowa. Michael was in the US Army from 2000-2004 and is an Iraq Combat Veteran. He currently lives in Waterloo with his wife and three kids. In his spare time, he enjoys reading, golf, kayaking and spending time with family. Michael is an avid Iowa Hawkeye football and wrestling fan.

O: 319-234-0500

Mike Wirtjes

Life, Health, Property & Casualty , and Personal Lines Insurance Agent

Mike is a licensed Life, Health, Property & Casualty and Personal Lines Insurance Agent. Before joining the Agency, he worked for GEICO and Tjernagel Insurance.  Mike is originally from Waterloo and attended Blessed Sacrament, Central & East High Schools and the University of Iowa. Mike served 5 years in the US Navy. Some of his hobbies include playing hockey, boating and Hawkeye sports.  Mike is married with a daughter and two sons. They reside in Cedar Falls.

Brittany Stacey

Customer Service Representative

O: 319-234-0500

Ryan Barnett

Personal Lines Agent

Ryan is a licensed Iowa Personal Lines Insurance Agent. He graduated with a degree from the University of Iowa.  


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