Why Does My Car Insurance Cost So Much? 
This is certainly something to discuss with our agent . Your state insurance commissioner requires insurance companies to take in enough money to pay out all the claims that they incur . Sometimes this can result in an across the board rate increase . Specific causes for rate increases in California include a change in the status of the driver -LRB- violations , age , or accidents . -RRB- In California a rate increase is often the result of the annual mileage of the vehicle . Occasionally a company will find that the loss experience on a particular model of car is worse than anticipated and will reclassify the automobile resulting in a premium increase . 