Insurance rates paid by motorists and homeowners in Michigan generally aren\'t excessive under state law, a new study concludes, thanks to a reasonably competitive property and casualty market. Some urban residents, however, may be paying too much, according to a Wayne State University analysis of premium and claims data released Thursday. Kurt Metzger of Wayne\'s Center for Urban Studies said that, in large part, the cost of insurance in a given pricing territory reflects losses claimed by consumers who live there. \"Where rates were high, losses were high,\" he told the House Insurance Committee. He called the last decade for Michigan insurers \"an unusually unprofitable period.\"