{"id":5985,"date":"2018-04-03T19:29:13","date_gmt":"2018-04-03T19:29:13","guid":{"rendered":"http:\/\/www.etags.com\/blog\/?p=5985"},"modified":"2026-01-09T12:12:55","modified_gmt":"2026-01-09T12:12:55","slug":"auto-insurance-premium","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/auto-insurance-premium\/","title":{"rendered":"Car Owners: Why Did My Auto Insurance Premium Increase?"},"content":{"rendered":"

Today, many Americans are noticing an increase in their auto insurance premium and that’s been a trend for the past few years.<\/p>\n

Even drivers who did not file any claim are coping with more expensive policy renewals. But, why do auto insurance premiums increase? How do auto insurance companies calculate their premiums?<\/p>\n

It all depends on your driving profile and other external factors that could affect your driving.<\/p>\n

Those external factors could be credit scores, traffic violations, occupations, and even driving trends or statistics. For example, more Americans are getting involved in crashes owing to distracted driving.<\/p>\n

Yet, reaching an optimal level of accuracy could be challenging since many auto insurance companies calculate their rates differently.<\/p>\n

For that reason, here you’ll learn why auto insurance premiums increase.<\/p>\n

Average miles are increasing<\/h2>\n

According to the AAA Foundation for Traffic Safety<\/a>, Americans are hitting the road more than previous years.<\/p>\n

Key reasons include lower gasoline prices, better economy, and more fuel-efficient vehicles on the road.<\/p>\n

When it comes to auto insurance, driving more miles increases the chances of getting involved in a car accident.<\/p>\n

The number of auto insurance claims continues to increase<\/h2>\n

The Insurance Information Institute<\/a> found that drivers are filing more claims compared to other years. The claim frequency is going up and that situation forces insurers to jack up rates.<\/p>\n

This means that auto insurers are paying more for property damage liability, collision, and bodily injury claims.<\/p>\n

Click here<\/a> to learn how to file an auto insurance claim.<\/p>\n

Medical bills are skyrocketing<\/h2>\n

Health insurance rates and medical costs are skyrocketing and crushing not only patients but also auto insurance companies.<\/p>\n

When a driver gets injured during a car accident, his\/her auto insurance company covers the medical costs, which keeps getting more expensive.<\/p>\n

SEE ALSO:\u00a05 Kinds Of Auto Insurance Coverages (And How To Handle Them)<\/strong><\/a><\/p>\n

New vehicles are more expensive to repair<\/h2>\n

As cars keep getting more sophisticated, with modern features and equipment, auto insurance companies are starting to get hit by the extra expenses that are adhered to car repairs.<\/p>\n

Getting the right experts and the appropriate diagnostic equipment could be costly, and that additional cost is passed on to auto insurers.<\/p>\n

That’s why it is always advisable to consider the type of vehicle you are driving when shopping for auto insurance.<\/p>\n

Bad driving records<\/h2>\n

Generally, drivers with bad driving records accumulate a series of car accidents and traffic infractions.<\/p>\n

There’s no secret that drivers with bad driving records are commonly subjected to higher auto insurance premiums.<\/p>\n

Of course, traffic violations and car accidents are great indicators of high-risk drivers, but not every infraction rises your auto insurance premium.<\/p>\n

Changes in your lifestyle<\/h2>\n

Just so you know, your zip code has an impact on your auto insurance costs. But you may be wondering how auto insurance companies calculate rates based on location.<\/p>\n

Auto insurance companies look at your area’s claims history to determine your premium.<\/p>\n

At the same time, your premium could also increase if you purchase more coverage add-ons or reduce your deductible.<\/p>\n

It\u2019s time to save more money<\/h2>\n

Are you paying a lot on auto insurance? Click here<\/a> to help you get the auto insurance policy that best suits your budget and needs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Today, many Americans are noticing an increase in their auto insurance premium and that’s been a trend for the past few years. Even drivers who did not file any claim…<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":{"0":"post-5985","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-car-insurance"},"acf":[],"yoast_head":"\nCar Owners: Why Did My Auto Insurance Premium Increase?<\/title>\n<meta name=\"description\" content=\"Today, many Americans are noticing an increase in their auto insurance premium and that's been a trend for the past few years. 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