This is a difficult question to answer, however here are the 5 of the most common causes for your insurance rates to increase:
#1 Driving record and claims history. If you have been in an accident or received a ticket, in the last 3 years, you'll be surcharged for this on your insurance policy.
#2 Loss of discounts like multi-car or multi policy.
#3 Change of location. Where you reside plays a role in your insurance rates. Rural locations tend to be less expensive then metro areas.
#4 Adding/removing drivers or vehicles will impact your premium based on the exposure.
#5 Insurance company loss ratios. If an insurance company is experiencing heavy losses, it will increase their rates.
Working with an independent insurance agency is the best way to assure that your rates remain the most competitive for the right coverage needed.