Many factors can impact insurance rates, some you can control and some you cannot.
Examples of things that you can control include claim and driving history, credit score, annual miles driven, safe driving habits, and the type of coverage you select. Things you really can’t control include rebuild cost of your home, cost to repair vehicles, industry changes in litigation and law, the number and severity of claims in your region or zip code, and lender insurance requirements.  These uncontrollable aspects are usually the culprit when your insurance premiums increase year over year and you didn’t file a claim.