Background: I am 30 yo female with a clean driving record and no citations. I commute 8 miles to work a day. I have a 3 year old fuel efficient top safety pick MINI (I have always driven the same make of car) that I finance but almost paid off. I have no other riders in my car. I have a credit score of 807. I currently rent my residence for over 2 years (in a gated neighborhood) and I just got married 4 months ago. I don’t understand why my car insurance keeps going up when my everything I know about risk factors keeps going down.
6 years ago, I drove the same exact make and model of car, was unmarried, renting, had a speeding ticket from 2012, a slightly lower credit score and my daily mileage was quadruple. And after all of this, my premiums were still almost 50% cheaper.
I have shopped around at USAA and Allstate and they are slightly more expensive than what I am paying at Farmers for comparable coverage.
Can someone explain this to me?
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