Yep. It happens all the time. As an independent agent with upwards of 40 companies to deal with, it wasnt unusual to have insurance company reps coming by several times a month to change rates in our computer systems. Decreases and were a regular thing. It doesnt happen nearly as often as increases do of course.Often a carrier will do it to become more competitive.

Sometimes decreases occur on certain coverages as a part of a filing for an increase overall. And often the decreases may be in certain coverages but overshadowed by increases elsewhere. Typically, the consumer seldom notices the frequent small changesbut definitely notices whenhe takes a big increase.

For instance, lets just say that deer claims continued to decrease. Lets also say that all other claims that go into comprehensive (where deer claims fall) have no change. Comprehensive rates trend down but most likely, it would be overcome by increases elsewhere. IE: collision, FPB, BI Liability, PD liability, UM UIM etc etc

When an auto insurance company files for a rate change,usually an overall increase, they must furnish claim and premium information across the entire product to the state insurance dept. If they are losing big money on collision but making unusually large profits on comprehensive, they might well have to take a decrease on the winner to get the increase for the loser.

Back to the original point. Anything that generates predictable, consistent claims generates revenue for the insurance companies.
More claims cost more, of course, but they generate more premium leading to more profit. In any industry where the profit margin is pretty much a percentage of revenue, increasing revenue increases profit. The only way an insurance company can justify increased premiums (therefore increased revenue and profits) is to show increased claims.