19 reasons why car insurance premiums increases

Auto insurance companies like to keep your business. When your rates goes up, for apparently no reason, customers start looking around to switch carriers. If they raise your rates it's usually for one of the reasons below.

1. If your company was granted a rate increase since your last renewal
2. You are at fault in an accident
3. If you have a collision loss over a certain amount
4. If you're over twenty five and get two or more tickets
5. If you are under twenty five and get a ticket
6. If your insurance company checks your driving record after you receive points
7. The carrier adds a policy fee at a later date
8. If you add people to your policy (esp. juveniles)
9. If you move into a higher risk area
10. You become 50 or older
11. A surcharge as a result of violations, suspensions or accidents by another driver on your policy
12. Increasing your coverage limits
13. Lowering your deductibles
14. Increased company losses, accident rates and/or repair costs for your defined area
15. If a company finds negative information while investigating your application
16. Adding another vehicle to the policy
17. Replacing an older vehicle with a newer or more expensive one
18. Changing the usage of the vehicle from pleasure to work or commercial
19. Increasing the number of miles per year you drive