Why are other car insurance carriers' rates so expensive?

I've been insured with Progressive for the past three years. Every time I shop around with other carriers, the rates are 25% higher than what I'm currently paying. I don't have any tickets or accidents. I can't figure out why anyone would have insurance with another carrier if all their rates are so expensive.

Answer
“There are a variety of factors that impact the rates carriers provide for car insurance. Your age, driving record, length of vehicle ownership, and location can all impact your rates.
Each insurance carrier weighs these factors differently based on their own guidelines. How you meet these guidelines determines your rate.
If you’re receiving a good rate with your current carrier, that’s great! However, rates do change over time. It’s beneficial to continue to shop around every six or 12 months to make sure you’re always receiving the best rate. “
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Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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