Insurance companies do file for rate decreases when marlet conditions allow.They also come out with new rating plans all the time that in many cases,are much less expensive.At one time,insurance rating was easy.It was based mainly on age,driving record,territory and marital status.Today most insurance companies use a very complicated algorithm and base rates on credit,prior carrior,prior liability limits etc.Ifyou're paying more for insurabce today thatn you were 10 years ago,you most likely need an insurance review.

In any event,deer claims are only a part of comrehensive claim and that's only a very small percentage of the total amount of claims being paid out.Even though deer claims are down,it's such a small percentage of the total picture,it won't make much of a difference.I'll use myself as an example.My deer claims are way down but my loss ratio went up 10% just on auto last year.Why?Mainly because we had a brutal winter and that effects claims much more than the number of deer that are out there.Deer claims are relatively small.Collision claims usually involve more damage,medical payout,proprety damage liability and often times,personal liability.

Don't let that ice cream melt.