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The industry trend for many types of personal insurance is that rates are on the rise. I don’t know why this comes at a surprise to many consumers since all you have to do is turn on the TV or radio or read the newspaper to hear of the volume of vehicle accidents involving distracted driving while texting, talking on a phone or changing controls on the dashboard, or wildfires, floods, or snow and rain damaging homes.
There are some proactive measures you can take to reduce your costs that I will discuss later in my article, but let’s first understand the nature of what insurance is and the role the insurance companies play.
