Michael Harrnacker wrote:
>
> >The fact is that medical, legal and administrative costs are
> >rising, outweighing any improcvement in vehicle safety.
> >Thats why your insurance rates GO UP every year not down.
> >Thats why legislation that reduces accidents or the severity of
> >accidents will help to keep insurance rates in check.
>
> My rates have gone down two years in a row.  The reason?  State Farm cut its
> rates.  (Everything else has remained the same...residence, cars, marriage
> status, etc...).
>
My rates here in New York have risen on every renewal for the past 15
years. And I have never had a single speeding ticket or accident!
The only way to emeliorate the cost is by switching insurance companies
or taking a defensive driving course.
Part of the reason is that New York has increased its mandates on the
minimum insurance coverage you must carry.