Once a year, I have to go to the bank (or seven eleven) to pay the premium on my insurance. It comes in at the same time as the rates for my car insurance. This of course raises the obvious questions: why do some insurance rates stay the same while the other change so much on a year to year basis? I have no idea why this is: but each year we pay a different amount, and the variance is quite large on the car insurance. We’ve paid anything from US$150 to nearly US$900 for the same policy from the same insurance company.