Too Much govt.regulation stifles competition? If it wasn't for the insurance commisioner you would be paying FAR MORE for insurance than you are now. The crook inusrance companies request a rate increase, and the commisioner's office either approves it or disapproves it based on their financials. You are in the middle of one right now where the excess premiums are held in escrow by the insurance companies. If they are found unjustified by the commisioners office, you will get a refund. Like the one we got some years back when they wanted more than they could justify to the commissioner's office. PLEASE!