[Llarry]

This thread prompted me to go back and compare my auto insurance for the last couple of years. I've been with USAA for 40+ years and the thing about that is that it is a mutual -- I get a credit (of several hundred) annually as my share of the excess income. My semi-annual premiums went up about a hundred starting last month (1500ish > 1600ish for three nice vehicles) which doesn't seem too bad to me. I certainly agree with posters in this thread that we seem to be in an insurance crisis with lots of uninsured/underinsured idiots on the roads.