Did your car insurance go up this year?

[weederr33]

Originally Posted by chaoskaze

You said the reason

My insurance went up from 2018 to 2020 due to me getting hit twice while having the car parked & different cars too!

Your risk factor simply went up despite the fact it's not your fault.

That accident was in 2018.

[chaoskaze]

Originally Posted by weederr33

That accident was in 2018.

Damn, well too much tanks in texas, they must been running over lot of brzs.

[ScoobsMcGee]

It is possible marital status affected your rate; however, still quote new policies with different providers. It is wise to do this every few years, but also make sure to compare what is covered. That way you don't save $200 per renewal just to have basically no coverage. Often it does not make sense to stay with one auto insurance provider for a long period of time.

I had Progressive from the time I got my license until my late 20s. They raised my renewal by about 15% with no reason. When I called to ask why, they said they were doing that for everyone. I ended up calling AAA to get comparison quotes from different providers using my driving history, including Progressive, just to see what they were. Progressive was still the highest quote I got back, but it was less than half what they were currently charging me. I ended up going with a local company with good rep for identical coverage at about 35% of what I was paying. I don't think this is typical, but it did help me to learn my lesson.

[Ultramaroon]

Originally Posted by crinnoire

The cost of your insurance isn't just driven by you alone. Its based on the overall costs to the insurance company. Everything from them giving their employees raises, to repairs costing more at repair shops, to new cars costing more.

The whole premise of insurance is shared risk and spreading the losses across the whole risk pool.

Are you a bot?

[Stonehorsw]

Mine went up significantly (local legislation change)

[tillypowell]

I totally get your frustration with the insurance hike. Mine jumped about 20% this year too, and I'm also in the Bay Area. I'm 30, no claims either, but with State Farm.

I was venting about this to a buddy, and he suggested checking out https://www.insurancecloud.co.uk/ to compare rates. I was skeptical at first, but I gave it a shot and found a better deal. It didn't solve everything, but it definitely helped lower the pain a bit.

It seems like these increases are becoming more common, especially with all the economic changes. I'd say shop around a bit – you might find something better out there.

[Sasquachulator]

Ours went up because our provincial government is a bunch of morons (the majority of the provincial population happens to be full of complete idiots too)

They try to "help the citizens" but everything they do has a negative or opposite effect than what they claim they are dong.