You’re about to move: Where you live is an important factor in determining your rates.
Your credit scores have changed significantly: Car insurance companies — with the exception of those in California, Hawaii, Maryland and Massachusetts — consider your credit when setting your rate.
Your driving history has improved: If it’s been awhile since your last accident or driving violation, your rate may improve.
You’re adding a new driver to your policy: Adding drivers, especially teen drivers or young drivers below age 25, can significantly increase your rate.
Your driving routine has changed: If you’re driving fewer miles these days or no longer commuting for work, you may want to shop around to see if you can get a lower rate.