Speaking of rates going down, our fearless leader ( Dalton) thinks rates are still too high. From some of the things I've been reading, returns for a lot of companies are eroding a bit, but they will be fine I'm sure. I think rates will continue going down as companies go for bigger market share. Just reading the most recent book by Donald Trump, no mention about the insurance part of his "empire" but, he is sure right about a lot of things. Especially that you always have to have the best people you possibly can on your side, and to always work at keeping them motivated.

Good news, just read that car insurance on Ontario has gone down in the last 6 quarters, including the most recent 1/4 ( 4th of 2006 down 0.16% ) for a total of 6.61 decrease over this period. I get asked a lot about what will happen to clients rates. Insurance companies always change rates by average, so one group of drivers may get a larger decrease/increase than another, depending on lots of factors, ( eg: postal code, age experience driving record ect ect ect ) some may even go up when an average is showing as having gone down overall. So it's impossible to really tell what going to happen to a persons rate ahead of time.