Noticed your car insurance rates going up despite a clean driving record? You’re not alone. Insurance companies adjust premiums based on factors beyond just accidents. Here’s why your rates may rise and what you can do about it.
Why Do Rates Go Up?
- Rising Repair & Medical Costs – Advanced vehicle technology and increasing healthcare costs drive up claim expenses.
- Accidents in Your Area – More claims in Mesa and across Arizona mean higher rates for everyone.
- Arizona’s High Insurance Rates – Arizona ranks among the states with rising insurance premiums due to increased traffic congestion, extreme weather conditions, and high numbers of uninsured drivers.
- Credit Score Changes – Many insurers factor in credit scores; a drop could lead to higher premiums.
- Industry Adjustments – Economic changes and regulatory shifts can trigger rate hikes.
How to Lower Your Rates
- Shop Around – Compare quotes from different insurers.
- Use Discounts – Safe driver, bundled policies, and defensive driving course discounts can help.
- Adjust Coverage – Increase your deductible or reduce unnecessary coverage.
- Improve Credit – A higher credit score can mean lower premiums.
- Drive Safely – Avoid tickets and violations that could raise your rates.
Need an Arizona Injury Lawyer After an Accident?
If you’ve been injured in a car accident in Mesa or anywhere in Arizona, Catastrophic Injury Attorneys is here for you. Our experienced accident lawyers can help you navigate insurance claims and fight for the compensation you deserve. Contact us at 480.272.3522 or visit catastrophicinjuryattorneys.com for a free consultation.
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Catastrophic Injury Attorneys
3850 E Baseline Rd, Suite 111, Mesa, AZ 85206
