Why Does My Auto Insurance Keep Going Up? 
There are several reasons auto insurance goes up ... Unfortunately some of those reasons may have absolutely nothing to do with you . Remember , all insurance is is a big pool of money . Policy holders are grouped together and pay premiums into the pool . When a claim happens , money is pulled out of the pool . If too much money is pulled out , then more money has to be put in so premiums go up ... I know this is a very simplistic explanation and the realty is much more complex , but it is a fact that if a bunch of other people in your `` pool '' -LRB- your state or region -RRB- experience a lot of acidents or other losses - the rates for everyone in that `` pool '' are going up no matter if you have had an accicent , ticket or anything else . Of course , there are individual reasons why you premiums coud be going up based on your driving record , personal characteristics , etc. . Give your agent a call and they should be able to break your premium down and explain what part of an increase pertains to you specifically and what part is a rate increase by the carrier . 