Ugg, I just go my vehicle insurance renewal in the mail this afternoon.  I dreaded even opening the envelope, but knew I had to, otherwise it would be there for me tomorrow when I woke up.  And why not go ahead and get the bad news out.  So when I opened it I was presently surprised to see that my rates had went down a bit actually.  Apparently the carrier I am with filed a rate decrease in my state for all drivers.  This has to be the first time I have ever had an insurance policy of any sort go down in cost.  It just does not happen that often for most folks.  So needless to say I am tickled to death that I do not have to go out shopping for weeks trying to find a cheaper auto insurance policy. This might be my only year like this.