There are a few reasons that can explain why your premium changed.  Is this bill your renewal bill?  Did you move?  Did you add a car or driver?  Did you delete a car or driver?  Did you ignore a letter the insurance company sent you asking for additional information about other household drivers?  Are there outstanding late or reinstatement fees due?  Any of these situations can cause your bill to change.

If it is your policy renewal bill it may be higher than you expect for a couple of reasons.  Some of the insurance companies charge 20% on the first payment of a policy period and then equal monthly payments thereafter, some do not.  It's possible that you had some traffic infractions added to your policy that were not on your driving record when you originally purchased the insurance, or that they just missed them the first time around.  Often people will receive letters from the insurance company asking for additional information about household drivers and ignore them.  This can be costly, so please don't do that.

Insurance rates are effected by the zip code you live in.  Generally the more populated the zip code, the higher the price.  So moving from a Gresham, Oregon zip code to a Portland, Oregon zip code is going to make your insurance premium increase.

Sticker shock - that's what I call it when people add vehicles and choose not to pay for the incremental monthly increase at the same time.  Let us give you an example.  Let's say you add a car, and the cost of adding the vehicle is $100 per month.  The insurance company has sent you a bill already for the current month, based on the premium before you added the new vehicle.  That means you will have the vehicle on the policy for approximately 45 days before you ever pay for the increased premium, but you will have to pay for those days.  When you get your bill for next month it will include the premium for the old car, plus the 45 days you already used on the new car, plus the premium for the new car for the upcoming 30 days.  Basically what I am saying is pay for the endorsement when you do it, at least pay an estimate.  You will be an unhappy customer if you choose not to.

If the insurance company received your premium after the the due date they may have charged a late fee.  If your policy was pending cancellation, there may be a reinstatement fee charged by the insurance company. Agents cannot waive these fees, it's not our decision. If you made a change, moved, are at your policy renewal, or did not respond to an insurance company inquiry, there will be a surprise ahead for you.

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