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I have the same cars on my policies, haven’t moved, so still have homeowners insurance with the same company, and get the discounts for that and for multiple cars. I am 30 years old and married to a 35 year old, who has not had a ticket in 2 years.

12 Thoughts on Can my car insurance policies go up even if I have not had any tickets, accidents, or claims of any type?
  1. Reply
    July 28, 2011 at 9:44 pm

    I guess you just need to ask your insurance agent, because there is no reason for it to go up with the information you have provided. I can’t think of any logical reason, it should be going down.

  2. Reply
    July 28, 2011 at 10:00 pm

    Yes it is based on where you live.Companies re-evaluate areas and make adjustments accordingly.

  3. Reply
    July 28, 2011 at 10:15 pm

    Sure can but you should contact them and see why they may be something you need to take care of.

  4. Reply
    July 28, 2011 at 11:14 pm

    Sure it can go up (it rarely goes down). Our insurance gets jacked up about 5% every time we renew, and we both have perfect records, have completeed AARP course, and also connect our insurance to our homeowner’s policy. That doesn’t stop the insurer from hiking the rates; they can charge any amount they want – and they do!

  5. Reply
    Steven R
    July 28, 2011 at 11:55 pm

    You car insurance can always go up and at any time. There are a lot of different factors that go into the pricing.

    The Insurance Carrier could have simply changed it’s rates or it’s risk rating for the area you live in.

    In addition, the speeding ticket rating should stay on the contract for 3 years. If you didn’t report it and they found it running a routine annual review of your policy they may have just picked it up in your rates.

    my suggestion, call you agent (if you have one) and ask what the premium increase is for.

  6. Reply
    July 29, 2011 at 12:34 am

    I would guess that you just turned 30 which would cause a rate adjustment. The rates do flucuate with every age bracket, which can be a 5 year span. Also the area and zone you live in could have gone up but you would know that based on if your homeowners also went up.

  7. Reply
    July 29, 2011 at 1:17 am

    Your car insurance can always go up. Sometimes insurance companies have rate increases. If they are not profitable enough or if they have had a few bad years they may need to increase their rates. Profitable insurance companies make about 5 cents or less for every dollar that you pay… and that’s if their profitable. A rate increase would usually affect everyone insured by the company. You should shop around for new home/auto insurance every 3 years. Prices are always changing. Your company may have had the best price a few years ago but that changes.

    Also, The cost of cars and car repair is going up, the cost of homes and home repair is going up…Insurance rates will move in the same direction.

  8. Reply
    July 29, 2011 at 2:14 am

    In addition to changes in underwriting due to your geography, another big reason for the change in rates can be due to a change in your credit score. Have you pulled a credit score lately? Insurance companies rate people with bad scores higher, because statistically they cause insurance companies more money.

  9. Reply
    July 29, 2011 at 2:50 am

    Yes. Insurance companies are constantly changing their rates to make sure that they do not go bankrupt, that they can fix the cars that are damaged, and so they can replace the cars that they insure. Some cars, as they get older, are harder to find parts for and are more expensive to repair. Find out if it was an increase that hit all insureds, or just you. Another thing is, an accident could have been reported and the policy number was typed in incorrectly. Review your policy. Renewal is the best time to shop around too

  10. Reply
    July 29, 2011 at 3:18 am

    It is possible for your premiums to increase due to various reasons, inflation, cost of insurance, etc… Of course if you have had no claims, tickets or accidents, these increases should be minimal, if they aren’t you should always contact your agent to find out why.

  11. Reply
    July 29, 2011 at 3:26 am

    It’s called a rate Basically, those around you also affect your rate. If there are more accidents, more thefts or if the cost of medical costs increase – these can also increase your rate.

  12. Reply
    John W
    July 29, 2011 at 3:28 am

    Yes, your insurance can increase for no apperent reason, based on factors that really only the insurance companies know about. They conduct studies all the time, and they may have found that your car in more accident prone, or prone to getting vandilized or broken into, thus increasing your rates.

    Remember when your insurance comes up for re-newal you can always check around to see if your company still offers you the best rate

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