Oh, and as a general note to all...
You may have noticed a jump lately in your premiums. Or ... if you are renewing a policy, or even shopping around ... your rates have dramatically increased since 6 months or a year ago and you haven't had any claims.
I recently had a chat with my agent for our Home Owner's Policy about that when my new policy came in.... Apparently it is an industry wide increase that is somehow tied to the economic realities we are all experiencing.
"Yeah. Right." I said to myself. So I shopped my policy around. Turned out he was right. He was also still lowest. He got to keep my business.

So you needn't feel that your company is singling you out. Its happening to all of us.

You should still shop around, though.