Causes for increase:
1. You bought a new car.
2. Insurance premiums for your neighborhood are rising.
3. Auto repair costs have increased.
4. You are driving more.
5. You are a relatively new driver.
Causes for decrease:
1. You bundled your auto and home policies together.
2. You are driving less.
3. You have been driving for awhile and have a good record.
4. Your teenage driver had a good report card or just left for college.
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