Seriously, whats new about this, every year same story, Insurance Dept. want's a decrease, Companies want an increase. Eventually our "elected" insurance commisioner will compromise with a 8% hike. What I don't get is why Auto insurance gets treated the same as Homeowners. We choose not to speed or bring crashes upon ourselves by paying attention, but Homeowners usually is uncontrollable therefore more of a risk. So why do we get penalized every year on our Auto instead of being rewarded with a rebate or reduced premium?