[cmyk]

My state just went through a huge rate restructure that left a lot of people scratching their heads at higher premiums, while others benefitted from lower rates. Luckily I was on the beneficial end and my premium decreased (not by much, but it averages out to a savings of around $12 per month for both of my cars -- I'll take it). Maybe New York did something similar.

I would also "blame Sandy" for some of this -- comp claims aren't counted against you, but massive catastrophic claims throughout a state or region can affect rates across the board. I had GEICO a few years back and remember them feeding me that line a couple times when I called about phantom rate increases, especially right after Hurricane Ike hit Houston & Galveston.