Insurance companies utilize a lot of personal information to determine how much you should pay for car insurance. These include, among other things, your driving history, age, and locality. If any of these factors change during your policy term, the amount you will need to pay may change. People who missed out on their premiums and did not keep their vehicles insured for longer periods may also end up paying more in the long run. If you do not like the new rates, you should consider switching policies.