I Need Mexico Car Insurance

Why Would My Car Insurance Go Up

When you get a new car, you may be wondering why your car insurance rates went up. After all, your old car probably had the same insurance rates. The answer is actually quite simple; there are a number of factors that can influence your car insurance rates. In this blog post, we’ll explore some of the most common reasons your rates might go up and what you can do to avoid them.

The Different Types of Car Insurance

Car insurance can cover a wide range of risks, from injuries you might cause to others in an accident, to theft or vandalism. There are different types of car insurance that cater to different needs. Here are the different types of car insurance and what they’re used for:

Crash coverage: This type of insurance covers costs related to accidents, like medical bills and lost wages. It’s important to note that this type of coverage isn’t always necessary; most states have laws requiring it, but it’s not mandatory in all cases.

Comprehensive coverage: Comprehensive coverage protects your car from a variety of risks, including damage from events like fires and floods. This type of coverage is usually more expensive than crash coverage, but it’s worth it if you think your car could be damaged in an accident.

Uninsured/underinsured motorist (UM) protection: UM protection covers you if someone else driving without liability insurance hits your car and causes damages. This type of insurance is essential if you live in a state that has laws protecting drivers against UM claims.

Third-party liability (TPL): TPL protects people who are responsible for injuries or damage caused by someone else while they’re under the influence of alcohol or drugs. If you’re at fault for an accident while impaired, this type of coverage can help protect you financially.

The Different Rates Car Insurance Goes Up By

There are many factors that influence car insurance rates, including your ZIP code, the make and model of your car, and your driving record. The different rates Car Insurance Goes Up By can vary by as much as 30%.

The higher your car insurance premium, the more likely you are to have a collision or comprehensive claim. In most cases, liability coverage pays for expenses related to injuries and damages sustained in a crash – regardless of who is at fault. Collision coverage pays for damage to both vehicles involved in a crash. Comprehensive coverage pays for damage to the property of either vehicle involved in a crash, including vandalism or theft.

If you have been declared financially responsible for another person’s automobile accident injuries, your rates will be increased significantly. Factors that increase rates include having prior claims against your vehicle (even if they were paid off), being an unlicensed driver, driving with a revoked license, and more minor offenses like speeding.

How to Save on Car Insurance

Some factors that can cause car insurance rates to go up are a new driver, an accident, and driving a high-risk vehicle. To save money on your car insurance, try these tips:

1. Don’t get a new driver’s policy until you’ve been driving for at least six months. This will help you build your record and make sure you’re not a high-risk driver.

2. Avoid accidents. If you do get into an accident, be prepared to pay for the damages. Negligence can also raise rates, so it’s important to know your rights if someone accuses you of wrongdoing.

3. Drive a low-risk car. If possible, choose a car that doesn’t have many safety features (such as airbags) or is older than five years old. Cars with higher safety ratings are usually more expensive to insure, so chosing one that’s less safe may save you money on your premiums over time.

4. Compare quotes from different insurers and compare prices before buying coverage. You can often find cheaper rates by comparing quotes online or through an independent agent.


Car insurance can go up for a variety of reasons, and it’s important to understand what might cause your rates to increase. Some common causes of car insurance rates going up include: accidents, driving too fast, hitting pedestrians or other drivers, and getting a DUI. Pay attention to the factors that influence your rate (such as your driving record) and make sure you are doing everything possible to keep premiums low.

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