• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | (817) 563-5555
Matthews Insurance Group Logo
Best Car Insurance Agencies in Arlington
Helping Texans Spend Less
on Insurance Since 1992!
How Much Can We Save You?

  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Mexico Travel Insurance Quote
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Health
    • HomeownersImage of right arrow
      • Manufactured Home Quote
      • Home Insurance Quote
      • Agent Consultation Request
    • Insurance
    • Life
    • Motorcycle
    • Personal Umbrella Insurance
    • Recreational Vehicle
    • Renters
    • Trucking
    • Watercraft & Boat
  • Customer Service
    • Online Account Access
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • News Center
  • About Us
    • About Matthews Insurance Group
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us

Auto Insurance AUTO

 

Home Insurance HOME

Business Insurance BUSINESS

 

 

Motorcycle Insurance MOTORCYCLE

 

RV Insurance RV

 

Life & Health Insurance LIFE & HEALTH

 

Home > Blog > Why Did My Auto Insurance Costs Go Up Even When I Didn’t File a Claim?
WEDNESDAY, NOVEMBER 16, 2016

Why Did My Auto Insurance Costs Go Up Even When I Didn’t File a Claim?

Auto insurers price their policies based on a number of factors. Sometimes these cost factors go up, and sometimes they go down. In most states, costs are currently rising. Your actions, as a policyholder, can affect what you pay, too. For instance, if you add another car, or a teenaged driver to your policy, your costs will increase. Alternatively, your costs will decrease if you drop either a car or a driver from your policy.

But there are also other factors outside of your control that could cause rates to increase, such as the crashes other people are involved in. The number of crashes, and the cost of these crashes, are a component of auto insurance pricing in every state. For example, drivers living in large metropolitan areas are likely to pay more. This is simply because more cars, therefore more crowded roadways, increase the number of car crashes in those cities. On top of all that, speed limits are also being raised. Speed is the single-biggest contributor to crashes in which driver error is cited as the cause. Distracted driving is an issue everywhere. In big cities and small, people texting, talking or otherwise occupied with another activity while driving is being blamed in part for more crashes.

Auto insurance covers more than vehicle repair. It also covers the cost of injured crash victims’ medical care and lost wages as well as the repairs and/or replacement of vehicles and any property damaged in a crash. In recent years, medical and auto body repair costs have increased at a rate much faster than inflation. Legal costs have gone up, too.

Another trend affecting the cost of auto insurance is that with the unemployment rate falling, more people are driving both to and from work. And with more disposable income, they are presumably driving more for leisure. They also have the means to purchase more expensive cars. And while many of these cars have all types of safety features that might help in accident avoidance, these cars’ often high-tech components are also more expensive to fix and replace once damaged.

Auto insurers are committed to reducing U.S. crash rates. They fund the Insurance Institute for Highway Safety (IIHS), support efforts to combat distracted driving as well as drunk or drugged driving. In addition, auto insurers offer discounts to policyholders who take defensive driving courses or drive fewer miles. 

Consumers can take proactive and positive steps to reduce auto insurance costs. Talk to your insurance professional to make sure you’re getting all of the discounts to which you’re entitled.

#autoinsurance

Posted 4:21 PM

Tags: auto insurance rate, insurance rate increase, insurance quote, cheap auto insurance, cheaper auto insurance, low rate insurance,
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2016
  • 2014

  • business insurance(10)
  • auto insurance(6)
  • workers comp(4)
  • car insurance(4)
  • general liability(3)
  • home insurance(3)
  • tips(3)
  • commercial auto insurance(3)
  • accident(2)
  • flood insurance(2)
  • electricians(2)
  • liability insurance(2)
  • pools(1)
  • texas insurance(1)
  • renters insurance(1)
  • low rate insurance(1)
  • frozen pool pipes(1)
  • general liability insurance(1)
  • independent agent(1)
  • freezing(1)
  • flu tips(1)
  • insure(1)
  • startup(1)
  • pipes(1)
  • who should i list(1)
  • insurance rate increase(1)
  • accident forgiveness(1)
  • insurance quote(1)
  • cheaper auto insurance(1)
  • drivers(1)
  • employment practices liability insurance(1)
  • epli(1)
  • cheap auto insurance(1)
  • insurance(1)
  • direct(1)
  • claims(1)
  • online(1)
  • insurance claims(1)
  • homeowners insurance(1)
  • motorcycle insurance(1)
  • auto insurance rate(1)
  • hvac insurance(1)
  • commercial insurance(1)
  • swimming pool(1)
  • cheap auto insurance texas(1)
  • frozen pool equipment(1)

View Mobile Version
Facebook
Twitter
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo
Tweets by @insurancedudes

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

image of compass

 

  • 5840 W Interstate 20
  • Ste 135
  • Arlington, TX 76017
  • O: 817-563-5555
  • T: 844-MIG-2015
  • F: 817-701-0266
© Copyright. All rights reserved.
Powered by Insurance Website Builder