Why did my insurance policy go up 20% with no accident or tickets in the last 3 years

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 7, 2016

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Insurance Question from Lake Henry, MN

Asked on 08/07/2016

Why did my insurance policy go up 20% with no accident or tickets in the last 3 years NULL

Answer given on August 14, 2016

The costs for auto insurance are based on many factors. Even without any tickets or accidents, there can be an increase.Often times, the insurance company requests a general rate increase from the state. If they can prove their reasons for the increase it is often accepted. Other states have “file and use” rates-they can simply file for an increase and immediately start using the new rates.Also, if you reach a certain age many insurance companies increase the cost of insurance based on the experience they have from older drivers. If you are over 65, 70 or 80 you can see a marked increase in your insurance costs.If you have no tickets or accidents, you can shop around for better costs for your insurance. If you have homeowner insurance, see if they will give a discount for having your auto insurance too. You can check with many companies online for a better rate.

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