i'm going through my annual renewal now and my rates went up slightly. i inquired with my rep as to why and he said it's across the board that everyone's rates went up. a lot of it is due to economical as well as environmental reasons (in NJ, a big reason is due to still trying to recover from Hurricane Sandy). he said some areas are harder hit than other areas with rate increases but it's pretty typical, unfortunately.
and like ^^ said above, if you have medical coverage through your job remove it from your insurance. i had no idea about that and my rep suggested removing it to save some money to which i am, about $150/yr. so that savings there will counter my rates increase so i end up paying about the same, a little less actually.
2012 Kona Blue GT Premium Mods: Roush Axle-Backs / Airaid CAI / Bama 93P Tune / Redline Hood Lifts / Tri-bar Pony Floor Mats / Headlight Splitters /
GT500 Splash Guards / Exterior Light Tint / GT350 Quarter-Window Covers / Escort Redline Radar Detector