You are talking rubbish. All states have voluminous insurance regulations and rule, rate and form filing requirement. The amount of scrutiny varies widely by state, but in general the states with higher rates have the most intense regulations (NY, CA, MD, CT, MA, FL, etc.) and are the most difficult to deal with from a company standpoint. My company spends 10s of millions in salary and benefits in compliance efforts just to keep legal in all 51 jurisdictions. In some states where there is freedom to raise and lower rates, the market dictates and premiums are generally lower than average. Believe me we follow what are competitors are doing very closely and are always looking for an advantage.
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Today's Featured Article - Good As New - by Bill Goodwin. In the summer of 1995, my father, Russ Goodwin, and I acquired the 1945 Farmall B that my grandfather used as an overseer on a farm in Waynesboro, Georgia. After my grandfather’s death in 1955, J.P. Rollins, son of the landowner, used the tractor. In the winter 1985, while in his possession the engine block cracked and was unrepairable. He had told my father
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