Why Did Car Insurance On My Mariner Go Up In Omaha? 
Great question ! Unfortunately , that is a tough question to answer without a little more information from you . There are many reasons why your rates may increase within the state mandated rate limits . Some things that can raise your rates are a result of how you drive . A claim filed for an ` at fault ' accident can raise your rate , as can a poor driving record , or speeding tickets , in some cases . -LRB- You are a bigger risk for a payout , so you pay more , just as someone who smokes pays more for life insurance - smoking has been proven to increase your health risks , and bad driving habits increase your risk for an accident . -RRB- Some things are not in your control - rates can increase if the vehicle theft rate in your area increases , if the company has had to pay out significant claims , and their profits are down , or you move into a different age category in some cases . Some companies will even look at your creditworthiness as a basis for your rates . The purpose of insurance is n't to provide you with a steady rate as much as it is to help you in the event that you are in a position where the cost to repair or replace a car is more than you can afford . That said , there are some companies that will offer `` first accident forgiveness '' types of policies , and are a bit more lenient in their rate changes . I 'd tell you that if you are unhappy with your current rate to shop around and see if there is a better company or rate that fits your budget . If you have further questions , please contact me , I 'd be happy to help . Sorry for the unpleasant answer , but I appreciate you asking ! 