The most common reason for increased rates is distracted driving. Accidents are more common than ever in America because of people texting, which is the reason for 1 of 4 accidents. Your auto carrier may have increased your rate because of a higher likelihood of accidents in your area. A second leading reason is the cost of car parts. As cars become “smarter,” the cost to replace parts becomes much more expensive as well. Carriers may increase your rate because of a rarity or cost of parts in the car you drive. The third highest reason is the increasing cost of bodily injury. As accidents increase, the amount of money and likelihood for an insurance company to pay lengthy medical costs increase.