Why Would My Car Insurance Go Up

If you’ve ever had to file a claim with your car insurance company, you know that it can be a long and frustrating process. In this article, we’ll take a look at some of the reasons your car insurance might go up, and how you can get around them.

What Causes Car Insurance Rates to Go Up?

Car insurance rates can go up for a variety of reasons. Some of the most common reasons include a change in your driving record, a lapse in your policy, and a claim filed against you. Here are three more common causes of car insurance rates going up:

1. A Change in Your Driving Record

If you have a clean driving record, your rates may go down. However, if you have any violations on your record, your rates may go up. For example, if you have had DUIs or aggressive driving violations, your rates may go up significantly. If you are caught driving without insurance, your rates will also go up.

2. A Lapse in Your Policy
If you do not maintain continuous coverage on your policy, your rates may go up when you need to file a claim or renew your policy. If you let your policy lapse for more than 30 days, even without filing a claim or renewing it, your rates will likely increase significantly.

3. A Claim Filed Against You
Your rates may go up if you have any claims filed against you on your record. This includes claims for vehicular damage, property damage, and

How Can I Lower My Car Insurance Rates?

If you’re like most drivers, you probably don’t have a clue as to how much your car insurance rates are actually going up each year. And that’s because the rates you see advertised are only a fraction of the actual rates that companies are actually charging. Here’s how you can lower your car insurance rates on your own:

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1. Ask your insurer about discounts. Many insurers offer discounts for customers who keep their policy current and by meeting specific driving or safety standards.

2. Compare quotes from different providers. Once you know what kind of discounts you’re eligible for, it’s important to comparison shop and find the best deal available.

3. Pay attention to coverage. Make sure the coverage you have is appropriate for your needs – not just the price you’re paying. For example, do you need collision and comprehensive coverage? If not, might a lower-priced option be better for you?

4. Consider bundling your insurance with other services or products. Anticipate future needs and get coverage for things like home insurance, renters insurance, and pet insurance through one provider – this can save you money in the long run.


If you have recently changed your car insurance policy, there are a few things that you may want to keep in mind. First and foremost, it is important to make sure that the new policy covers all of the items on your list of liability. Secondly, it is important to read the fine print carefully and understand what each coverage entails. Finally, be sure to call your insurance company if you have any questions or concerns about the new policy.

DynoCar is the best place to find information on all things cars, whether it be a car buying guide or how to change your oil. We’ve made finding and staying in touch with car information easy and fast.



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