Auto-insurance premiums have jumped 8.2 percent in the last year, which is nearly four times the overall rate of inflation. But shopping around can help offset price increases caused by cost factors you can’t completely control.
The factors that help determine your car insurance premium are constantly changing. Maybe you've had an at-fault accident, or your financial picture has improved. Different insurers reward or penalize differently, which can result in variations in the premium you’d pay to different companies.
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