Why did my car insurance go up?

A premium is the price of the policy

It is the amount charged for that policy term. A renewal can show a different premium even when the car feels the same. The notice should show the price, the term dates, and the coverages attached to it.

Reasons a price often changes

Insurers file rate changes. Your own record can change the picture too: miles driven, where the car is kept, who drives it, a claim, a new vehicle, or a discount that no longer applies. Coverage and deductible choices also change the price. None of these is a verdict about your policy. They are the questions the notice is for.

Your state sets the rules

The factors an insurer may use are not the same in every state. This guide does not state a California rule or any other state’s rule. Ask the insurer which factors they used, and ask a licensed professional if you want that answer checked against your state.

What to circle on the notice

Compare this term with the last one: premium, liability limits, deductibles, listed drivers and vehicles, and any discount that disappeared. If the notice does not say what changed, that is the first question to ask.

Does a higher bill mean I did something wrong?

Not necessarily. A premium can change because of a rate filing, a discount that ended, mileage, where the car is kept, a coverage change, or a driving record. Your notice is the place to see what the insurer listed.

Can Coveroo tell me the legal reason in my state?

No. Which rating factors are allowed depends on state law and the insurer’s filing. A licensed agent or your state insurance department can speak to your state. This page stays with the general questions.

General concepts only. Coverage depends on the policy. A licensed professional can read your notice, your lease, or your state’s rules with you.