• Speeding tickets and other moving violations

• Accidents (either at fault or not at fault accidents)

• Claims in your area and comprehensive claims

• Adding drivers or vehicles to your policy

• Moving (even if a few miles, a change in zip code could affect your rates)

• Your age

• Change in your credit score

• A lapse in your insurance policy

• Loss of discounts on your policy

• Increase in drivers in your area

• Distracted and uninsured drivers

• Higher speed limits

• Repair costs and medical costs are rising

• Insurance fraud

• Extreme weather


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