SJ,
So you're being overcharged for your insurance, and
get excited when
they rebate part of your money, which they probably
don't pay you any
interest for using all year? Wish I could get a few
thousand folks to
send me $500 to hold for a year, which I could then
return to them. I
could live very nicely off the interest.
Larry

You just don't get it.  It's a co-op.  Non-profit.
Insurance companies are required to keep certain
amounts in reserve as determined by complex formulas.
Every year when the claims come in under the projected
amount, the money returns to the "member" pockets.

Stick Allstate coverage on your vanagon (mandatory
content) or whoever if you will.  You'll never get any
money back.

Did I mention that USAA is MUCH cheaper than even
those fly-by-night insurers.   They've always been
significantly cheaper than anyone else I've quoted.

Since this really off topic, I'll shut up now.

FreeLoveIXOYE
Ray
_____________________________________________________________
Do You Yahoo!?
Free instant messaging and more at http://messenger.yahoo.com