Why does my car insurance keep going up at every renewal?

I am a good driver with no tickets and no accidents. I am 31 and have had my license since I was 17. I thought that my car insurance would get cheaper, but it keeps going up. Why?

“It can be very disappointing to see your policy increase when it renews.
Insurance companies are constantly reviewing and revising their underwriting criteria so that they have accurate but competitive rates. Sometimes they determine that a policy needs to be re-rated based on this evolving underwriting criteria.
Factors that can impact the rate can be the number of accidents in your zip code, catastrophic weather losses, drastic change in credit score, or loss of specific discounts.
The best thing you can do is find an agent that will re-shop your policy for you at every renewal to ensure that you are getting the best price.
If you would like to re-shop your policy from the comfort of your sofa, Jerry is a free app that searches with over 40 carriers for a new policy and automatically re-shops the policy for you at each renewal.”
Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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