What Causes Car Insurance Rates To Go Up? 
There are many factors that can effect auto insurance premiums . Some in your control and some out of your control . Here are some but keep in mind , this is not an exhaustive list . In your control would include the type of vehicle you drive , coverage 's you wish to carry and most importantly your driving record . Other factors could be education , marital status , annual mileage driven and packaging polices with any one insurance carrier . Out of your control would be your age , and if the insurance carrier has a rate filing to increase rates due to over all loss ratios . Insurance is consultative . I recommend you always sit down with an experience agent who can review all your insurance needs and best find you the right insurance carrier who can get you the right coverage 's and the best premiums . 