Insurance companies are some of the richest companies in this country. Look at the top of corprate conglomerants and you will find insurance companies own the whole mess. Around here insurance co's build more new buildings to occupy than any other single entity. So I don't feel sorry for them, nor do I deny them the right to charge what the market will bear, even though I don't like it when premiums raise. If I could raise my rates by 2-3 times I would, but I know that my business would suffer because of the competition that is willing to undercut pricing even if it means they have a lose to do it. Insurance Co's, on the other hand, all seem to work together as when one raises the others seem to follow.