Do Car Insurance Prices Change Daily? 
No not really . Insurance companies must file their rates and rules with your State Insurance Department and have those approved for use by them . Companies will then monitor and develop experience with the filed rates and may , after a time and usually after several years ' experience , may chose to refile the base rates and rules . In the mean time , the approved rules enable them to adjust individual policy premium based upon that driver 's particular experience . That is why after an accident a policy may increase though the sates base rates would not be . 