63 years here, 38 in the commercial insurance biz ... when costs go down rates can go down. My company has lowered rates many times, but unfortunately costs of what insurance pays for doesn't go down often.
As to the comment on Michigan rates... Yes, you have a very bad law there, and the trial bar doesn't want it to change. When y'all get tired enough of it it can change, I am thinking tar and feathers might be some incentive for your "representatives". I follow the annual efforts to change it in the industry trades so I do feel your pain when efforts fail.
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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