"Enough is enough! Why are Insurance rates increasing?
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It can be difficult to eat well when your pennies are being pinched.
It is getting to the point where I can't afford to put food on my families table, because the money is going to the insurance company. I am with State Farm Insurance in Brockville, Ontario, and over the last two years, my insurance has risen over $30.00.
I increased my deductible by $1000 to lower my insurance just enough to scrap through, since I was unemployed at the time. Now, it hasn't even made a dent.
The only job I am able to get right now is as a cleaner for minimum wage. I do some work on the side, but my day job still pays the bills.
Insurance rates have been increasing for a variety of different reasons. Mainly, they have been spurred by rising costs for water damage as pipes burst and sewers back up into finished basements.
According to my insurance broker, more people are having their basements finished. Basements that should never have been finished in the first place.
Home, insurance Rates are based on a many factors, including weather your neighbourhood is prone to sewer backup, the crime rate in your neighbourhood, proximity to a fire hydrant, the value of your personal property, your insurance history, and past claims. These are just a few of the many factors affecting your home insurance rates.
In Ontario, insurance rates are controlled by the government. The government allows insurance companies to increase the rates, and the insurance companies, in turn act on it to take advantage of the situation, since they don't know when they will be allowed to increase the rates again.
Should the government be allowed to control the rates of the insurance companies? Yes, and no. In theory it is a good idea, but depending on who is in control, the rates can quickly climb.
Since the government gives the okay to insurance companies to increase rates, depending on who is in control, you can expect everything to be relatively stable. If the government was not in control, there may be more competition between insurance companies, the small companies would be gobbled up by the larger companies, or be driven out of the market.
Be careful, always make sure your credit score is okay. Some insurance companies are starting to use credit scores to determine your rate.If your like myself and always pay you bills, and keep on top of your finances, you should be okay. Beware though, some insurance companies are doing credit checks without your express consent.
Just check this out. It will make you mad.
Where does the madness STOP! If you are not able to make any more than minimum wage, depending on the job market where you live, and your current situation, it can be a challenge to keep up. Eventually your
ability to put food on the table is in jeopardy.
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