Tougher car insurance premiums.

Following continued losses from vehicle insurance the companies are tightening up the terms of their policies. As of October 1, 1992 policy holders with claims will pay an additional premium of 7.5 percent, accumulative over three consecutive years. On the other side, car owners without claims will receive a 7.5 percent discount for each "no-claim" year during the same three years. At the end o