Insurance rates always vary depending on many factors, which is why it’s always critical to shop around for affordable insurance. Several times it happened, a company offered you the best rate may not be the best company for you anymore.

Factors such as marital status, own a house or rent a house, credit score, employement, age, etc. can have a high influence on your insurance rates. When you find your rates are going way high – it could make sense to switch to an insurer with cheaper coverage.