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i noticed this year 2008 when i was up for my 6 month renewal monthly payment plan that my payments were higher. i bought my car, a mazda cx-7 june of 2007 and i was paying $95 a month, now i have to pay $114 a month. no new accidents or tickets since buying the car. i was expecting nothing to change, but then i noticed this. so i called them (esurance) today and they told me that all of California had premium increases. is this true? i had a feeling they were bullshi**ing me. can someone please give me a link to this in the news or something if this is true? are there any other reasons why my premium should have gone up if i didnt change anything on it from last year? i always thought if everything is the same and my record is clean it should go down slightly every renewal? should i shop around? (26, male, san jose, ca, good driving record, esurance car insurance)
An insurance company can increase their rates, and every insurance company does this, some companies do it more than others. But an insurance company will ask the insurance comissioner of your state if they can increase their rates, and the insurance comission is the one that approves this.
Yeah if I were you I would shop around. You could go to an independent insurance agent, and asked them to get you a quote. That agent might have a really great company with great rates that they can put you with. But most definitly shop around.
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