Best Cheap Car Insurance Company that Raises Rates Without Notifying You (2021)
Car insurance companies that raise rates without notifying you usually only raise rates at renewal unless there was a problem with your application. Many factors are used to determine your car insurance rates, such as your driving record, age, and where you live. Auto insurance companies that raise rates without notifying you will do so if and when any of those factors change.
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UPDATED: Sep 29, 2021
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- In most states, car insurance companies can raise your rates without notifying you
- Your rates will generally only increase at renewal
- Be sure to read your renewal carefully to find any rate increases
Surprisingly, car insurance companies that raise rates without notifying you are not uncommon. However, rate increases usually only happen when you renew your policy.
When any of the factors that are used to calculate your rates change, such as your age or your ZIP code, car insurance companies adjust your rates to match.
Shop around for car insurance especially if your rates have gone up. Each company will offer different rates so compare multiple car insurance companies to find the best deal.
Enter your ZIP code now to compare free quotes from car insurance companies that raise rates without notifying you in your area.
What car insurance companies raise rates without notifying you?
Unfortunately, it’s legal in most states for car insurance companies to raise your rates without notifying you. Usually, rates are only changed when it’s time to renew your policy.
In some cases, your rates are raised after you buy a new policy. When you get quotes from a car insurance company, your rates are based on the information you provide.
Once the company has time to verify your information, your rates can go up if you’ve lied or omitted information.
According to the Insurance Information Institute, misleading your insurance company is insurance fraud. Your insurer can raise your rates or even deny you coverage for lying.
Car insurance quotes from car insurance companies that raise rates without notifying you aren’t any higher than other companies. In fact, finding car insurance companies that don’t raise rates without notifying you can be difficult.
It should be noted that sometimes your rates can go up through no fault of your own. Car insurance companies will raise rates across the board to cover their increased costs.
Costs that car insurance companies incur can increase if there were natural disasters, riots, or even inflation in a certain area. Rates are raised to help offset those costs.
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What factors affect your car insurance rates?
What affects car insurance rates? It’s no surprise that your car insurance rates are tied to your driving record, and car insurance rates increase after a claim or ticket.
These are some other common factors that can be used to calculate your rates:
- Marital status
- Type of vehicle
- Where you live
- Credit score
Each car insurance company will weigh these factors differently so they will all offer different rates. That’s why it’s important to compare multiple auto insurance companies before you buy car insurance.
In some cases, an accident or ticket might not affect your rates. For example, does GEICO raise rates after an accident? Yes, but GEICO also offers accident forgiveness for your first accident so your rates won’t go up.
Why did my car insurance go up with GEICO? Your rates could increase simply because you moved or your credit score went down.
If your rates have increased and you don’t know why, ask before you renew. It might be the perfect time to get quotes from other car insurance companies to see if you can get a lower rate.
What You Need to Know About Car Insurance Companies that Raise Rates Without Notifying You
In most states, car insurance companies can raise your rates whenever they wish, but most companies only raise rates when you renew.
Changes to your driving record, type of vehicle, or even where you live can cause your insurance company to increase your rates.
If your rates have changed, now is a great time to shop for car insurance. Compare multiple companies to find great coverage with lower rates.
Now that you’ve learned about auto insurance companies that raise rates without notifying you, enter your ZIP code to compare car insurance quotes from companies near you for free.