10/16/2026
Your agent doesn’t want to tell you this either 😭
You can have ZERO accidents, ZERO tickets, ZERO claims... and your insurance rate can still go up.
Why? Your rate isn’t based only on you. Insurance companies also look at things like rising repair costs, medical expenses, the cost of parts and labor, theft trends, claims in your area, and the overall cost of insuring your type of vehicle.
So when you call and ask, “But I didn’t do anything?!”
We know. 😭 And we hate having this conversation just as much as you do.
The good news? This is exactly why having an agent matters. We can review your policy, check your discounts and coverage, and make sure you’re not paying more than you need to.