There are legitimate explanations for why your price fluctuates, despite the fact that it may appear random.
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Rates for car insurance might vary depending on things like claims, driving record, adding extra drivers to your policy, and even your credit rating. But, there are a number of factors that are mostly beyond of your control that can cause them to change.
1. Record of driving
Accidents (even if you weren't at fault), moving infractions, reckless driving, and drunk driving all have the potential to raise premiums.
It's possible that your premium will go up if you've made a claim in the last few years. Having heard