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Why do vehicle insurance premiums go up & down for seemingly no reason? Should I contact my insurance company to inquire? (lemmy.world)

submitted 1 week ago by LemmyKnowsBest@lemmy.world to c/asklemmy@lemmy.world

26 comments fedilink hide all child comments

These are my most recent monthly State Farm vehicle insurance payments, from most recent ($114.35) to sometime back in 2021 ($69.32). I have no control over how much or little they decide to take out of my bank account every month. I noticed it steadily going up over the months until suddenly my December payment DECREASED by $16.75. I really don't feel like contacting my insurance company with this trifling question but I am curious what affects their fluctuating prices.

$114.35 (December 2025) $131.10 (November 2025) $131.10 $131.10 $131.10 $131.10 $131.10 $122.45 $122.45 $122.45 $122.45 $122.45 $122.45 $121.87 $121.87 $121.87 $121.87 $121.87 $121.87 $100.89 $100.89 $100.89 $100.89 $100.89 $100.89 $95.40 $84.24 $83.56 $83.56 $69.32 (January 2021)

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[–] TubularTittyFrog@lemmy.world 8 points 1 week ago* (last edited 1 week ago) (1 children)

or they hopped an age bracket. your insurance goes down once you hit 35-40.

[–] SippyCup@lemmy.ml 1 points 1 week ago

someone needs to tell that to my insurance company