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I'm sure you are asking yourself, "Why is my auto insurance going up? ", every time that your car insurance bill comes in. There are many factors that will determine what your auto insurance costs are, but I am going to go over a few of them now, to help you understand what is causing your car insurance to go up. Hopefully, by the time you're finished reading this, you'll have some idea as to why your insurance is higher than it was a year ago.One factor is obviously the price of gas. cheap car insurance in west palm beach will cost more to insure than a similar car not purchased with a premium increase. The newer the car is, the more expensive it will be to insure. The reason for this is the safety features and engine capacity become much more important than ever before. In fact, when you get into your car, you want to make sure that there are no things hanging out of it, that could potentially fall off at a moment's notice, or fly up in the air.Another thing that will cause your car insurance to increase is your driving record. If you have a lot of speeding tickets or accidents on your record, your insurance is going to go up. If you don't have any tickets or accidents, your insurance is probably going down. This may seem like it's a silly way to go about insuring your car, but this is actually a common practice in some states. States look at your driving history and adjust your premiums based on what the state thinks your record says about you. It is a very controversial practice, but it does save the insurance companies money in the long run.Your age is also a major factor when it comes to why is my auto insurance going up? Drivers younger than 25 often have to pay more for car insurance, because they're considered a higher risk. Younger drivers tend to put their cars at risk more due to inexperienced driving habits. Drivers younger than 25 are less likely to be involved in a crash, so they have lower insurance rates.You can also get cheaper auto insurance if you're a woman. Insurance companies give cheaper car insurance to women because they're less likely to be involved in accidents, which would lead to more insurance claims. You may not think your gender has anything to do with your insurance rate, but it does. If you're a woman, you're more likely to apply for a driver's license, which then allows you to get discounts on your insurance.One reason why is my auto insurance going up? You're paying more for car insurance if you don't have a good credit rating. A poor credit rating may mean you have high premiums. Poor credit can also cause your insurance to go up if you have made some car insurance purchases in the past. This happens if you buy car insurance from a company that doesn't approve new insurance buyers, like many in the auto finance industry. In short, if you've had trouble paying your bills in the past, you'll probably have problems paying your bills now.Some insurance companies will increase your rates if you miss a couple of premium payments. This is why many people think they have car insurance when they don't. When you miss a payment, the company may send a letter reminding you of the payment due. When you miss your payments, your interest rate may go up.The reasons why is my auto insurance going up? Each person's circumstances are different, but you can usually expect to pay more for vehicle insurance if you have had problems in the past. Even if you never had a problem, it's better to be safe than sorry. So, be sure to check into what your insurance policy will look like when you buy a new car or adjust the coverage on your existing policy.