Unfortunately there is no simple answer to this question, however here are the 5 of the most common causes for your insurance rates to increase.
#1 Claims history and driving record. If you have received a ticket, or been involved in an accident in the last 3 years, you'll be surcharged for this on your insurance policy.
#2 Change of location. Where you reside plays a role in your insurance rates. Rural locations tend to be less expensive then metro areas.
#3 Adding/removing drivers or vehicles
#4 Loss of discounts, Multi-Car / Multi-Policy / Good student
#5 Insurance company loss ratios. If an insurance company is experiencing heavy losses, it will increase their rates
Working with an independent insurance agency is a fantastic way to assure that your rates remain the most competitive for the right coverage needed.