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Paying more for the same type of auto insurance can seem frustrating. Yet, most people will see their car insurance rates increase from time to time. This is not something unexpected. Why does this happen? What can you do about it?

Understanding why and taking steps to secure lower rates is important. Most drivers will be able to find a few ways to reduce their costs. And, you may not need to cut coverage to do it either.

Find Out Why Your Rates Are Going Up
All auto insurance agents want to keep your business. Most will not raise your rates unless there is a need to do so. This is a competitive industry. Call your agent. Inquire why your rates are on the rise. When you do, you may learn what steps you can take to get them lower.

However, like all types of products out there, inflation plays a role in increasing rates. Your insurance agent may not be able to control some increases. Yet, they will tell you if this is a factor in why your rates are on the rise.

What To Do If You Caused the Increase
Perhaps your auto insurance rose because of a few tickets over the last year. You may have higher rates because you were in an accident. Sometimes your credit score can play a role in this, too. When this happens, talk to your agent about ways to reduce your costs.

  • Find out if a defensive driving class can help you to lower your rates. Some agencies will help you to do this.
  • If it is due to a ticket on your license, find out how long it will remain there. Most drop off in two years. Renegotiate your policy at that time.
  • Find out if there are any new discounts or savings opportunities available to you. Your agent may be able to help you qualify for lower prices on some of the coverage you need.


If you do not qualify for lower rates, do not be afraid to get quotes from other car insurance companies. Sometimes, this simple act will help you to save a substantial amount of money on the coverage you need. A new quote may help you to see other coverage options available and aid you in qualifying for a lower payment. Be honest with your agent providing a new quote. You want an accurate quote when possible.

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