And I'm sure the insurance companies will find the usual gross miscalculations and wonky estimations in the Automobile Insurance Rate Board's Alf Savage's math. They always do. What else is new?

Premier Ralph Klein hit the political panic button a few years back when voters angry about insurance rate increases almost defeated Bernard Lord's New Brunswick PCs.

Rolling back rates and building an auto insurance system with an effective board to keep a sharp regulatory eye on the insurance companies was going to be so simple.

And Savage reminds Albertans that rates since he's been on the job, and reforms like soft tissue injury caps came into effect, have gone down 18%.

Although, as Savage's document points out, this is only for the "mandatory" part of the insurance bill. The rate board is supposed to be "monitoring" the optional side of the business - which suddenly becomes mandatory when lenders demand collision insurance on vehicles that are financed.

Until you read Part B. And that was a recommendation to annually adjust the grid, which forms the basis of the Alberta government's reforms, by the increase in the consumer price index.

The IBC took aim at the grid concept generally - which its report branded as "unfair and ultimately indefensible" because it cross-subsidizes premiums of good drivers to pay the insurance for bad ones.

The IBC submission also warned Savage about "pressure, perhaps from the media or public opinion" to compare rate increases with insurance-company profits.

Except that's only a holding pattern. There's a separate set of hearings scheduled later in the year when the relationship of auto insurance premiums to company profits will be under review. Go get 'em, Alf.

The Manitoba Public Insurance Board already has an application before that province's Public Utilities Board for a 2.6% auto insurance rate reduction. If the board approves, and there's little doubt it will, the rate cut hits next March 1.

"This is the eighth year in nine that Manitoba Public Insurance has held the line on or decreased the average premium," the MPI statement whooped.

The Saskatchewan Auto Fund had similar good news. In May, Saskatchewan Government Insurance policy holders received an 8% rebate, totalling $44.5 million, from an unrequired surplus in the reserve fund.

This will be the sixth consecutive year of no rate increases for Saskatchewan drivers, while another $75 million in safe-driving discounts was recently recycled back to consumers.

This is cache, read story here