Does Car Insurance Go Down Every Year? 
Great question . The way auto policies are rated today includes a myriad of factors and that makes it difficult to predict premiums . The factors include the personal details of drivers , including their driving records and their credit reports and the year , make and model of the auto . You may be surprised to find that an `` expensive '' Lincoln costs less to insure than a `` less expensive '' compact car . Why ? Because little cars are more easily totaled in an accident and total loss claims are more expensive than simple repairs to a heavier vehicle ! In general if there are no changes to all the moving parts , you may expect your rate to be stable and perhaps go down over time if you have no claims . Another interesting factor is your carrier 's position in the local market . For example , in Florida there is a lot of market volatility and carriers come and go in the market . A new carrier may have aggressively low rates as they are eager to write more business and get market share . Going with that carrier may be a good deal for the first year or two , but you may well see big increases at renewal as the carrier adjusts their position in the market . 