Why Does My Auto Insurance Go Up? 
Your auto insurance goes up for several reasons . For example , if you add a new car to the policy , or add a teen-age driver , your premiums will increase . Also , if any driver covered on your policy has an at-fault accident , and damages are paid , there is a chance that your rate will increase . However , many policies will `` forgive '' the first at-fault accident , depending on how long you have been insured with that carrier . And of course , as the cost of repair to vehicles increases and we see increases in litigation costs , rates could go up . So ... what do you , the consumer do about this ? Utilize the phrase `` We Shop And You Save . '' That is ... let an experienced broker do all of the hard work for you so you can simply review the best offers . If you decide to apply for a lower rate , the broker and/or their website will be there to help you complete the simple process . 