Editor's Note, January 2004: This month, we kick off the New Year with a Motor Age Online exclusive. We'd like to introduce you to Mark Giammalvo, our newest monthly columnist. A long-time contributor to our print edition, Mark's new role in the Motor Age family will bring you his insight on the automotive repair business, as well as his commentary on important industry issues. Look for "On The Mark" each month, here exclusively on Motor Age Online.How Is Your Auto Insurance Company Treating You?

Automobile insurance rates are climbing higher and higher each year. You would think that with these added increases would come some added benefits. If you believe that, I