anybody checked out their driver factor yet? apparently if you're down around a 0.6 or less your rates will either stay the same or go down. as the factor goes up from there so do your rates and significantly if it gets above 1. it's mainly based on the number of years you've been driving, your claim history going back 2 years and any tickets/violations you've had. there was going to be slight increases across the board anyway iirc so my rates might go up a few $ per month.
We don't know what our limits are, so to start something with the idea of being limited actually ends up limiting us.
Ellen Langer