Insurance rates go up... but down?
WHEN, sir, has your insurance ever gone DOWN over time, unless you switch to a different company with better rates? That has never happened to me...
The new payment model that ALL businesses go for now is best described this way: Demand goes up, price goes up. Demand goes down, price goes up. For car insurance, it's similar. Have an accident, price goes up. Have no accident, price goes up a smaller amount because of "rising costs". For health insurance, it's like getting an adjustable rate mortgage! Have no claims, price goes up due to "rising costs". Have claims, price goes up due to "rising costs".
It's a better deal instead to try increasing your standard of living - increase your means - and insure yourself. Whatever you do, you GOTTA stop relying on those insurance companies to have your best interests at heart. Insurance companies have a sort of morality that suffers from industrial age thinking, which states that people are just bugs making the wheels of progress turn round. They don't care about you - and they never will! They care about what they can get from you. They only care about that part of you that is capable of signing checks, and that part of you that is capable of carrying the wallet.