If you have no pre existing conditions,change companies,simple as that. Another company will write you a new policy for a HECK of a lot less. I switch every two to three years,always have. The wife and I pay $547 a month right now and we're in the second year. That policy includes $250 a week disability for one year. To be honest,compaired to last year,I'm not even happy with that premium. First of the year,I'm going insurance shopping.
What happens is,with an individual policy,you're put in a pool with other individual policies. At first,they're taking in premium money,but paying out very little. As time goes on,they have to start paying out of that pool. Then they have to raise premiums. People drop their policies,then eventually the pool is costing more than it's taking in and the premium keeps going up as they try to force the rest out.
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Today's Featured Article - Fasteners: The Nuts and Bolts of Nuts and Bolts - by Curtis Von Fange. The nuts and bolts of nuts and bolts is an interesting and essential piece of knowledge that applies to our older tractors. An improperly torqued capscrew on an engine head or a shear bolt that is too hard on the driving shaft of a bushog can create havoc and make an expensive and uncalled for repair. Let�s examine the purpose and design of these fasteners in order to ensure their proper use. Fasteners are probably one of the aspects of mechanics that is given the least amount of thought.
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