“It’s common for car insurance companies to increase your rate, even if you didn’t get into an accident or receive any speeding tickets.
The company’s analytics department analyzes risk continually, so even if you’re a safe driver, other factors may increase your rate. These can include things like crime rates in your neighborhood or weather events.
Because of this, it makes sense to shop for car insurance quotes online to find a better rate. However, if you find a better price elsewhere, it may be a good idea to call up your current insurer. If you’ve been with the company for a long time, you might be able to get them to match a competitor’s rate.”