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State Farm Insurance Company / illigal increasing in monthly payment

1 Ontario, Canada

myname is: Helen David Yousif
my e-mail: helendvd_004@hotmail.com

I am and my brother (we live in same address) are policy holders of this car insurance company (2 cars and home), I am working, my brother got laid off because of the current situation the company closed.
I have complaint about this car Insurance because they increased our payment by $10.00 for eache without any previous notice or any evidances, when I called askiny why this happened, they said the rate increased for every one because of the accident rates in the area.

this always been happened with almost all car Insurances, is this right?
I think this is robbery, if these companies can't handle their problems, then I think they better close their business instead of stealing all people. when they sign any policy with any customer they promise to give compansation for any accident or they mean to steal others and to compansate whoever did a an accident.
I will not accept this as a Canadian Citizen

I want to ask:
1. am I responsible for others who making accedent? why should they increase my rate to give to other, in this recession circumstances we meight lose our job at any minute, especially now we have one incom the government should support citizen against these compoanies.

2. are these car insurance companies authorized to play with their customer's payment as they want whenever thay want?

3. has the goverment any controll on these copanies ?

4. why should they increase my payment without any notice or any reason, I didn't made any change, I didn't do any accident?

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