Is your rate staying the same year to year.  It does not happen often but it should be the goal of every agent and policy holder.  Some pieces of reality;

• What is happening in the economy is not your problem, what is happening in YOUR economy is
• Just because your company had a bad year does not mean you should pay more
• It is a privilege for you to allow your company to insure YOU not the other way around
• Inflation might be the worst excuse of all, 1% inflation does not equal 10% in insurance

So how do you become part of the  endangered species;

• Review your rates every year
• Think about loyalty but do not base a buying decision on it
• Call your agent, I bet he/she would love to hear from you
• Do all you can reasonably do to lower your rate

Remember keeping your rate the same is almost as good as a reduction.

Thanks for reading.