Iggy Safety's recent HO price increase along with a general hardening of the Mass insurance market almost guarantees a good year. We have to get through the next month or so without any major storms but things look promising weather wise. Regulatorywise, the current government's war on insurance companies will have the predictable effect of reducing competition and increasing pricing. Reading some of the other companies' rate filing and seeing the government's stupidity and pettiness, you can assume that most insurance companies will continue to stay away from Massachusetts.
I really think that Safety is where Commerce was ten or fifteen years ago and will end up being the dominant auto company.