Why did my car insurance go up even though I did not have an accident?
Your own driving record is only one part of insurance pricing. Repair costs, vehicle technology, weather losses, claim trends and other rating factors can affect premiums. Start by comparing your renewal documents with the prior term, then review limits, deductibles and discounts before deciding whether another option fits better.
A better way to compare
Use your current declarations page as the baseline. Compare similar limits and deductibles, ask what changed, and look at the total protection—not just the monthly number. Insurance products, discounts and eligibility vary, so the details of your situation matter.
Want a second opinion?
Alexander Holmes Agency is based in Lubbock and helps Texas customers review Auto, Home, Life and Business insurance options through Farmers Insurance.
Ask Our Team to Review My CoverageGeneral educational information only. Coverage, eligibility, discounts and terms are subject to underwriting and applicable policy provisions.