It is important to remember that the grounds on which insurance is based is to share the risk and shoulder the costs with others. Even if your driving behaviors have not changed, everyone is impacted by the following:

• Worsening traffic: Increased population, lower gas prices and higher employment rates all mean more cars on the road and, inevitably, an increase in accidents.
• Distracted driving: Each day, more than nine people are killed in crashes related to distracted driving. From texting and driving to eating and drinking, anything that takes the driver’s attention off the road more than doubles a driver’s chances of getting in an accident.
• More claims: Research has shown that the average cost and frequency of claims have been on the steady rise since 2005, resulting in higher payouts.
• Rising costs: As the costs of groceries and everyday purchases are increasing, so are the costs of vehicle repairs. Cars are more advanced and safer, but the advanced technology also makes them more expensive to repair.