I question the rebate schemes insurance companies use. It seems to me that everyone is paying higher rates than projected and if you prove otherwise, then the money is refunded. In the mean time, the insurance company is collecting interest on over paid premiums until they issue rebates. Guilty until proven innocent?
It's not any different than those people that have the government take more tax withholding than needed each year so they can get some of it back at tax time. I try to pay the government up front as little as possible and make up the rest at tax time so I can collect interest on my money instead of them.