

There are usually two factors that can cause auto insurance rates to change:
- Something happened to you personally that caused your rates to change. Like if you were in an accident (and especially if you were deemed at fault), or if you’re vehicle changed in some way. There are other factors too, but those are probably the most common ones.
- Your zip code was reassessed and is now deemed to be more or less risky from an insurance perspective. This decision is separated from your personal actions, but it can still have an impact on your individual rates. And there’s no really transparency on how or why the insurance company comes to a conclusion on this aspect. Which sucks.
My guess is the second factor is thinking into play for you and your rates.









Funnily enough most of Europe has been asking the same question about the US under Trump. I guess Russia has got a psychological win (even as their military fails dismally in Ukraine) by corrupting a key player from the inside and then pitting old allies against each other.