Several factors can cause your auto insurance premiums to fluctuate. Some of the most important factors considered in determining premiums include:
Marriage/divorce
The birth of a child
Death of a spouse
Adding a student driver
Major illness or health issues
Your credit
Increase in your income
Experiencing any of these lifestyle changes can cause an increase or decrease in your premiums. Talking to your agent will help you understand why the fluctuation occurs. They can also help you take advantage of any discounts you may be eligible for, such as safe driving discounts.