Insurance companies set your rate based on a number of factors. Some of these are in your control, like speeding tickets and filing claims. Then there are those that are not in your control. Your car insurance rate may increase when your policy renews because your insurance company has to keep up with increasing costs.
There are many factors apart from filing a claim or getting a speeding ticket that can cause your rate to increase. Your company will probably raise your rate to help balance out the increasing cost of certain risks.