There are a few reasons why your insurance rate would increase at renewal time.
1) The company you're with had to increase their rates across the board for every policy holder. This is the most common reason. when a particular company has to pay out more claims than expected, they will increase their rates to maintain a certain level of profitability
2) Another reason could be changes on your policy. If you've added a driver, a car, or moved, these can play into your insurance rate.
3) Driving record. Perhaps you were involved in an accident, or had a ticket show up on your driving record in between renewals.
Rates are increasing with every carrier in California. It's important to review your coverage's each renewal with our independent insurance agent to make sure you're with the best company for your coverage needs.