HOURS: Monday - Friday: 8:30am - 4:30pm


413.536.8386 (fax)
150 Lower Westfield Road
Holyoke, MA 01040


9Jun. 2016

Why Did My Auto Insurance Rates Increase?

If you’ve ever spent time wondering why your auto insurance went up, especially if you haven’t gotten into any major accidents, it’s time to find out some of the common and not-so-common reasons why your insurance rates continue to increase.

Your Commute is Longer

Whether it’s because you got a new job or because you moved, if you’re driving more often or further for work or school, your insurance may go up as a result. More time on the road increases your chances of an accident. And don’t even consider fudging the numbers - if your insurance provider ever discovers the false information, they could drop you.

You’ve Moved

Maybe you lived in a small, quiet suburb and now you live in a bustling city or you went from a gated community and a driveway to an apartment complex with an open parking lot. Moving can affect your insurance rates. Accident rates, crime, and other factors in different towns and neighborhoods can all impact what you’ll pay for auto insurance.

You Bought a New Vehicle

Congratulations on the new wheels, but now it’s time to pay a higher premium. Newer vehicles cost more to insure because they cost more to replace. The value of your vehicle is now higher so your premiums are, too.

Your Teenager Started Driving

Adding a new driver to your policy isn’t usually cause for a major increase in your premiums, unless that driver is 16, new, and prone (based on age and experience) to accidents.

You’re Newly Single

Divorce isn’t fun for anyone, and just when you thought you were through with it, now your insurance rate has gone up. Married couples tend to have fewer accidents and the ones they get into are usually less expensive. Being single can have an affect on what you pay for auto insurance in Massachusetts.

Your Friend Wrecks Your Car

You thought you were off the hook because you weren’t driving. Think again. Your friend can pay out of pocket for the damages, but if they can’t or won’t, you’ll need to file a claim.

It’s Not You, It’s Them

If none of these apply to you but your rates continue to go up, it may have nothing to do with you. Insurance rates can go up because of increased fraudulent claims and higher associated costs for claims, like medical and repair expenses. While these may be the costs of doing business, all insurance customers will help make up any shortfall through increases to their premiums.

If you think you’re paying too much for your auto insurance, you might be right. It’s a good idea to reevaluate your coverage to make sure you’re getting the best price. If you’re looking for a new policy or just a quote to see how your current provider compares, contact us at Ross Insurance today.


Contact Us for Quotes, Claims, or Questions

Call us at 413.536.8380

Visit us at 150 Lower Westfield Road, Holyoke, MA 01040

Employee Directory

Send us a note: