Why Does Auto Insurance Keep Going Up? 
Indeed it does , althoughoccasionally , you may see a decrease in your rates . The price you pay for your coverage is based on may factors , including the average value of other vehicles on the road , the number of uninsured and underinsured drivers , the cost of healthcare and theamountand number ofjudgementthat are awarded to other drivers . One way to help keep your rates down and maintain them at somewhat affordable levels is simply to shop for new quotes every 2-4 years . Keep in mind that online quotes are free and you will easily be able to compare prices of many carriers in a short period of time . You do not have to change insurers , but sometimes , you see a substantial savings that is enough to warrant making a change . 