{"id":1241,"date":"2022-06-30T03:49:19","date_gmt":"2022-06-30T03:49:19","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1241"},"modified":"2022-07-01T03:53:44","modified_gmt":"2022-07-01T03:53:44","slug":"why-did-my-car-insurance-go-up","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/","title":{"rendered":"Understanding Insurance Rates: Why Did My Car Insurance Go Up?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It seems like everything these days costs more than it used to. This is true for gas, groceries, delivery services, and more. That is why it&#8217;s so upsetting when you see that <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">your car insurance rates<\/span><\/a><span style=\"font-weight: 400;\"> are following suit.<\/span><\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/banking\/federal-reserve\/economic-indicator-survey-inflation-january-2022\/\"><span style=\"font-weight: 400;\">Why did my car insurance go up?<\/span><\/a><span style=\"font-weight: 400;\"> What can I do to make it go back down again? These are both great questions, and we&#8217;re going to answer them for you right now!<\/span><\/p>\n<p><b>Table of Contents<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Why Did My Car Insurance Go Up?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Inflation<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Your Driving Habits<\/span><\/li>\n<li><span style=\"font-weight: 400;\">What Can I Do About It?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Reach Out to Pronto Insurance<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Why Did My Car Insurance Go Up?<\/span><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1242\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Rising-Car-Insurance-Rates-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Rising-Car-Insurance-Rates-300x200.jpg 300w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Rising-Car-Insurance-Rates-768x512.jpg 768w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Rising-Car-Insurance-Rates.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">We have good news, and we have bad news. Car insurance isn&#8217;t just going up for you; <\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/rate-increases-in-2022\/\"><span style=\"font-weight: 400;\">car insurance rates are rising<\/span><\/a><span style=\"font-weight: 400;\"> for everyone across the board this year. Nationally, <\/span><a href=\"https:\/\/www.iii.org\/article\/why-did-my-auto-insurance-costs-go-up-even-when-i-didnt-file-a-claim\"><span style=\"font-weight: 400;\">car insurance rates are increasing<\/span><\/a><span style=\"font-weight: 400;\"> by an average of 4.9%, according to approved rate filing data from S&amp;P Global Market Intelligence. These rate changes stand to affect more than 62.5 million policyholders across the country.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Inflation<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The biggest factor in higher car insurance premiums this year is the same thing that is driving up costs across the board: inflation. Between May 2021 and May 2022, the Consumer Price Index (CPI) rose 8.6%. This means that, on average, we are spending nearly 9% more than we were just one short year ago for the same goods and services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It isn&#8217;t just inflation, though. It&#8217;s possible that <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/california-auto-insurance\/\"><span style=\"font-weight: 400;\">your car insurance rates<\/span><\/a><span style=\"font-weight: 400;\"> have risen because of another factor- you! Remember, car insurance rates are calculated based on a number of underlying factors.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Your Driving Habits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Violations on your driving record, particularly a DUI or multiple speeding tickets, tell your auto insurance company that you&#8217;re more likely to have an accident than a driver with no such tickets or violations. The more violations you have, the higher your risk to file a claim, and the higher the risk the insurance company has to pay out. This results in a rate increase.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Can I Do About It?<\/span><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1243\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Be-a-Safe-Driver-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Be-a-Safe-Driver-300x200.jpg 300w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Be-a-Safe-Driver-768x512.jpg 768w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Be-a-Safe-Driver.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Bracing for a rate increase may seem stressful, but some of it is in your control. For one, be sure you&#8217;re always as safe, slow, and courteous as possible. You want to avoid any additional dings on your driving record. You can also elect for a new policy, with a new car insurance company. Comparison shopping is a simple way to get the best cost for the amount of car insurance coverage that fits your wants and needs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Reach Out to Pronto Insurance<\/span><\/h2>\n<p><a href=\"https:\/\/www.prontoinsurance.com\/blog\/insurance-just-got-easier-with-the-new-pronto-insurance-app\/\"><span style=\"font-weight: 400;\">We&#8217;re here to make car insurance easy and affordable<\/span><\/a><span style=\"font-weight: 400;\">. As you begin <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/is-it-time-for-an-auto-insurance-change-pronto-insurance-can-help\/\"><span style=\"font-weight: 400;\">shopping for a new, more affordable car insurance policy<\/span><\/a><span style=\"font-weight: 400;\">, make Pronto Insurance the first place you go. We&#8217;re here to answer all of your questions, like &#8220;Why did my car insurance go up?&#8221; and more. We can also provide you with a free quote. When you see it, you may be pleasantly surprised at just how <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/how-does-auto-insurance-in-texas-determine-your-cars-value\/\"><span style=\"font-weight: 400;\">affordable car insurance<\/span><\/a><span style=\"font-weight: 400;\"> can still be for you!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It seems like everything these days costs more than it used to. This is true for gas, groceries, delivery services, and more. That is why it&#8217;s so upsetting when you see that your car insurance rates are following suit. Why did my car insurance go up? What can I do to make it go back &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Understanding Insurance Rates: Why Did My Car Insurance Go Up?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1244,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Why-Did-My-Car-Insurance-Go-Up.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Did My Car Insurance Go Up?<\/title>\n<meta name=\"description\" content=\"You never want to pay more than you have to. This is why you may wonder why your car insurance rates have gone up and you owe more now. We can answer this question!\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It&#039;s our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/07\/Why-Did-My-Car-Insurance-Go-Up.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/\",\"name\":\"Why Did My Car Insurance Go Up?\",\"isPartOf\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/#primaryimage\"},\"datePublished\":\"2022-06-30T03:49:19+00:00\",\"dateModified\":\"2022-07-01T03:53:44+00:00\",\"author\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\"},\"description\":\"You never want to pay more than you have to. This is why you may wonder why your car insurance rates have gone up and you owe more now. We can answer this question!\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/why-did-my-car-insurance-go-up\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\",\"name\":\"Tony Soares\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1d7382dbcef64316e36596e07e931f5c?s=96&d=blank&r=g\",\"caption\":\"Tony Soares\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1241"}],"collection":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1241"}],"version-history":[{"count":1,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1241\/revisions"}],"predecessor-version":[{"id":1245,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1241\/revisions\/1245"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1244"}],"wp:attachment":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}