Sorry in advance about my little tantrum rant, heres the story: Same insurance company, Allstate, for 16 years with ZERO claims and ZERO tickets. Two years ago, January 27 2007, Some dip$hit kid backed out of a parking space in a private parking lot while I was plowing, I was backing up and he slammed into me. As we were writing up the police report after the accident the kid made it known that he was 'Hurrying to get out of my way', but 'I was NOT in reverse'. That being said, I got the ticket for unsafe backing. At court, the judge laughed at the ticket and tore it up. My insurance company at the time paid the kid $1300 for full replacement value of the POS car he was driving.... Fast forward to insurance renewal, Allstate raised my rates by $2300.00/ year. So, I shop around and go with Erie insurance. Prices are great, Agent is great, nothing bad whatsoever about the company.... Today, my wife and I go to my agent to transfer HER insurance policy on HER car from Allstate to Erie. Because of MY fender bender two years ago, HER policy will increase by $100.00/ yr. b/c we are now classified as 'High Risk' drivers. She has a flawless driving record of 14 years. I dont even driver her vehicle. WTF!!!!!! I'M a high risk driver?? How bad do I want to go find that kid that backed into me and do something I would regret??????