Auto insurance rates change based on many factors. The best way to get the lowest auto insurance rates is to shop around, since rates can vary by hundreds of dollars from carrier to carrier. 

Most states and motor vehicle departments require a minimum liability coverage, but you should select limits that will protect your assets in the event of an accident.

Auto insurance premiums are established on the basis of each carrier’s estimate of the cost a particular policy might yield in claims if an accident were to occur.  Rates may change over time due to inflation’s impact on the overall cost of services and changes policyholders might make, such as adding or removing drivers, changing cars, or recent updates to driving records.

You should update your policy when your circumstances change. Some examples include moving, exchanging cars, or adding and removing drivers. It is also beneficial to review your coverage periodically to determine whether the amount of coverage you have is sufficient for your needs.

It depends on the policy. Some auto insurance policies are written to include drivers who have permission to drive your vehicle, but do not live in your household. Other policies reduce the amount of coverage provided if a driver who is not on your policy has an accident. It’s best to review your coverage and discuss your circumstances to determine how other drivers affect your premiums and coverage