You may be asking why car insurance goes up. At the same time now wonder how car insurance works. First everyone is different for their rates because of different factors. Since we are all grouped together not as individuals the affect to your rates may go up or go down. \
There are many options to consider lowering your rates without reducing your coverages. Sometimes it is to show that your diving habits have changed by enrolling in usage-based programs like SnapShot from Progressive and RightTrack Mobile from SafeCo.
Also, could be that another company to insure with would have better rates than the one you have been with for over 20 years. We are open to compare your coverage and your rates.