When you least expect it, you get an email or letter from your insurance company telling you that your premiums went up. Car insurance is a necessity in Florida. However, you should at least know why your car insurance premiums increase from year-to-year.


There are going to be instances when state legislation changes. As such, the insurance commission might require insurance companies to handle things differently. They might also increase the state requirements for insurance.

When legislation changes, there is not much and that you can do in order to impact the cost of car insurance. In most instances, the cost is going to go up across the board. However, if you feel you are paying too much, you can always get quotes from other insurance companies.


If you were involved in an accident, whether it was your fault or not, you might have an increase in your coverage. Sometimes, even the smallest accident can result in an increase. The accident might be a car crash, a crack in your windshield, or even a break-in. Whatever it might be, something that involved you filing a claim with the insurance company. As a result, it will be used to calculate your insurance moving forward.

In many instances, you won’t be told that it will affect your premium until it happens. From there, you have to wait three years for it to be removed from your driving record. In the meantime, you can also get quotes from other insurance companies to see if they will be able to offer you a more affordable premium.


Sometimes, there’s nothing that you did wrong. It has to do instead with everyone else. The insurance company might have experienced a lot of claims from customers in your area. As a way of making up the cost impact that it had, they raise the rates across the board. It doesn’t seem fair, but the insurance companies have to do what they need to in order to remain financially stable.

If your insurance increases, you have the right to ask why. The insurance company should be able to tell you exactly why there was an increase. If the amount is too much or you don’t like the reason provided to you, it’s time to explore other insurance companies.

When it comes to car insurance premiums in Florida, not all insurance companies calculate the cost in the same way. This means that it’s up to you to make some comparisons between different companies. Contact three or four companies to get quotes for the coverage that you need. It’s also a good idea to work with an independent insurance agent who can do a lot of the work for you. They will get the quotes and help you with the comparison process.