Why Did My Car Insurance Go Up Without an Accident in Phoenix?

Your motor vehicle insurance rate may increase even when you’ve never been in an accident in Phoenix, Arizona, because of several factors, including a rising number of claims in Phoenix, risky driving habits, and age milestones.

Suppose you believe your car insurer’s decision to increase your rates is unfair. In that case, you can consult one of the finest Phoenix car accident attorneys to review your case and advise you on what a car accident lawyer does for you and the steps to take.

A personal injury lawyer specializing in car accidents can help you deal with the legal issues that arise after a car accident. In case of an accident that you’re not responsible for, your lawyer will help you recover the money you spend clearing your medical bills. Your lawyer should also explain how medical bills are paid after a car accident and the payment options available to you. 

Why Car Insurance Premiums Might Rise 

Your car insurance premiums can go up for reasons related to your driving and because of external factors.

Periodic Rate Increments by Insurers

If your car insurer periodically increases your insurance rates, your premiums will inevitably increase over time. Some insurance companies raise their rates based on local factors such as rising car accidents, wildfires, and car theft.

These incidents increase the cost of insurance claims, especially car repairs and medical bills, forcing insurers to increase their premiums. This could be why your car insurance rates keep going up without an accident.

Risky Driving Habits

Your driving habits can cause your vehicle insurance rates to go up because your insurer will view you as a high-risk policyholder. For instance, if your mileage suddenly increases or you keep getting speed tickets, your car insurance company will interpret it as risky behavior because your chances of filing a claim are very high.

More mileage means you’re not getting enough rest between trips and are likely to make serious mistakes on the road; your insurance rates may increase if your record shows a pattern of reckless driving. If you have tickets for not wearing a seat belt, speeding, or drunk driving, your insurer will consider you a high-risk driver–even if you’ve not had a car accident.

Age Indicators

As you age, your chances of being involved in a car accident increase because of slowed reflexes and poor eyesight. Many car insurers consider drivers who are seventy years and above as high-risk policyholders because they might have health conditions that reduce their ability to control cars effectively.

The age of your car is also likely to affect the cost of your insurance policy. Older cars are charged higher insurance rates than newer ones because they’re likely to develop serious mechanical problems that cause their owners to file claims.

Adding a teenage driver to your car insurance policy might affect your premiums. Young drivers lack the necessary experience to control a vehicle effectively in the event of an emergency.

Policy Changes

Making changes to your car insurance policy might increase your premiums, especially if you increase your coverage limit or add different coverage, such as roadside repairs.

Some insurance policies come with discounts that are only available if you don’t adjust your policy or if your teenager is a good student. Others are only applicable for a certain period. Losing these discounts will cause your insurance premium to rise.

Final Thoughts

Knowing why your car insurance premiums have increased without an accident in Phoenix will help you take the necessary steps to address the issue. If you need an attorney in Phoenix to help you file a lawsuit against your car insurer for unfair premium increments, Gage Mathers can help.

About the Author

Joseph D'Aguanno

Guided by the belief that being a highly skilled specialist in a narrow field is better than being ordinary in everything, Joseph “JD” D’Aguanno leads Arizona’s best personal injury law firm in Phoenix, AZ. Having extensive cross-training in pre-litigation negotiations and trial lawyer skills, with decades of experience, JD strives to provide clients with the most valuable legal services a personal injury lawyer can provide. Under his direction, Gage Mathers Law Group is an award-winning personal injury law firm providing aggressive representation to victims of a car accident, medical malpractice, dog bite, motorcycle accident, and other injurious events. Gage Mathers is trusted by thousands of lawyers and clients throughout the country because of their reputation for getting clients the maximum compensation they deserve.

Years of experience: Over 23 years
Bar number: 020421
Location: Phoenix, AZ
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