Try changing insurance companies. Most companies routinely raise rates on existing customers because they know it involves time, hassle and work to switch to another company. They might even know your consumer history and have you profiled as someone who doesn't change vendors often, and you will pay for that. It's called price optimization (or profit maximization).
Businesses often reward their customers with discounts for sticking with them. But some auto insurance companies may raise your premiums if they think you're unlikely to shop for a better rate.
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