All the companies are fighting for premium dollars but above mentioned companies are still very much intact in market share. I don't know how they can survive in this market without rate increase?
Long term good rates are a reflection of strong, finicky underwriting and the ability to segment out the risks you want and the risks you only want at a higher premium.
Short term good rates are the result of trying to buy into a market.
I have no idea about PA, though I stayed at a Holiday Inn Express on the border once.
Never heard of Fidelity but Geico and GMAC are pretty easy to beat in NW Pa. Geico is actually considered a substandard by some of our preferred carriers.
