Does Car Insurance Go Down Every Year? 
This question typically arises in the context of an insurance consumer questioning if the auto insurance premium will decrease as the insured vehicle ages and therefore decreases in value . Years ago , all things equal , meaning no general across the board rate increase , the physical damage portion of the policy did indeed decrease as the car value decreased . In today 's world , with the myriad of rating factors determining an individual auto insurance premium you should no longer expect an annual decrease as the car ages . Your agent can provide more insight into your specific situation . 