Originally Posted by vtec to vvel

I have a client that has been in the auto insurance industry for 2 decades. From what I've been told, everyone will be seeing an increase in their premiums even with a clean record due to a number of factors, and some more so than others.

Some of the more prominent variables include the state and city you reside in. Much like homeowner's insurance, many insurers are leaving certain states due to the surplus of natural disaster (i.e. FL with hurricanes, CA with wildfires, etc.), and the ones remaining are up-charging based on risk.

Also, I've been told that your fellow drivers' actions will affect your rates. So each time you see an accident in the general area you live in, there is a good chance your rates will go up because of that. Also, the number of uninsured drivers apparently plays a huge role.

This client also debunked a few myths (of course, this is based on this particular client's company):

1. The color of your car does not play a role in determining your premium.
2. Sports cars do not have a direct impact on your premium.
3. Your rates do not automatically go down when you turn 25, but your marital status plays a role.
4. Your education level and employment status has an indirect impact on your premium.
5. The more safety features your car has, this could help your premium.