A man driving his car.

Why are auto insurance rates going up?

汽车pp王者电子官网费上涨的原因及管理方法.

最近一切似乎都变得越来越贵了,汽车pp王者电子官网也不例外. According to Forbes Advisor从2022年7月到2023年7月,美国汽车pp王者电子官网成本上涨了17%以上. 以下是汽车pp王者电子官网费率上升的一些原因, 以及你能做些什么来帮助管理你的汽车pp王者电子官网费增加.

Some reasons for an auto insurance rate increase

During the global pandemic that started in 2020, 联邦和地方政府实施了原地避难和保持社交距离的指导方针. We then saw fewer accidents and less expensive losses, due to less cars on the road, 学校是虚拟的,许多公司允许员工在家工作.

但现在, a few years after the pandemic, roads are busy again, 许多人开始在办公室工作,学校也恢复了面对面的学习. This has resulted in an increase of car accidents 还有伤害,这导致了汽车pp王者电子官网费率的上升.

Get an auto insurance quote

Want to protect your car?

 

Inflation

Inflation 在美国.S. 是3点.4% in 2023. Even though it was not as high as the previous 2 years, 与过去15年相比,这是历史上最高的. 这种经济趋势影响了许多商品的价格,包括杂货、汽油、住房和汽车. 而且因为汽车(无论是新车还是二手车)现在都更贵了, repair and replace, it ends up affecting insurance rates.

Rising car repair costs

供应链中断和劳工问题从大流行期间开始一直持续到今天, have impacted 车辆 repair costs. 这包括修理发生事故的汽车所需的时间更长. As a result, 如果pg电子官方网页版在等待汽车维修的过程中使用租赁汽车的时间更长,则会产生额外的费用.

Additionally, new technology, such as parking sensors, lane-departure warnings以及更好的电池技术,都增加了维修成本. 而那些更智能的传感器和更强大的设备可以帮助提高安全性, they are also more expensive to repair.

Electric 车辆s

The ownership and use of hybrid and electric 车辆s 在美国.S. has become more popular in the last few years, with 16.3% of sales in 2023 compared to 12.9% of sales in 2022. 电动汽车通过减少气体排放来保护环境, but they are more expensive to acquire, repair and replace, 哪些因素会导致pp王者电子官网费率的上升.

Increased accidents due to distracted driving

According to a 状态 Farm® survey, 67%的司机表示在开车时阅读或发短信 is distracting/very distracting, 超过70%的司机表示观看视频或录制视频(67%)会让他们分心/非常分心. 即使是声控汽车指令也会转移认知能力和注意力. 重新考虑开车时使用手机,避免被他人诱惑 driving distractions. 如果你有孩子,和他们谈谈安全驾驶习惯. NHTSA research 发现青少年在开车时发短信发生事故的可能性是平时的23倍.

Weather catastrophes

美国.S. experienced many weather disasters during 2023, several of them causing at least $1 billion in losses, according to 气候.政府. 我国在2023年遭遇的天气灾难包括 wildfires in Maui, Hawaii加州历史上的洪水和热带气旋. 当 severe weather strikes,它会影响pp王者电子官网业,保费也会受到影响. For example, 状态 Farm paid $12 billion in catastrophic claims during 2023, compared to $7 billion paid in catastrophic claims during 2022.

Ways to help manage a rate increase

A Personal Price Plan™ helps you create an affordable price (just for you).1 Check with your 状态 Farm agent about possible ways to save on your bill.

1 Prices are based on rating plans that vary by state. 覆盖选项由客户选择,可用性和资格可能有所不同.

2 折扣可能超过30%,各州不同(纽约上限为30%). Not available in CA, MA, RI. 根据个人事实和情况,在北卡罗来纳州可能无法获得折扣. Setup required.

本文中的信息来自与状态 Farm®无关的各种来源(包括状态 Farm Mutual 汽车mobile pp王者电子官网 Company及其子公司和关联公司). While we believe it to be reliable and accurate, 我们不保证信息的准确性或可靠性. 状态 Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, 任何第三方网站的内容,可能从这个页面超链接. The information is not intended to replace manuals, 由制造商提供的说明或信息或合格专业人员的建议, 或影响任何适用pp王者电子官网单的承保范围. 这些建议并不是所有控制损失措施的完整清单. 州立农场不保证使用这些信息的结果.

状态 Farm Mutual 汽车mobile pp王者电子官网 Company
状态 Farm Indemnity Company
Bloomington, IL

状态 Farm County Mutual pp王者电子官网 Company of Texas
Richardson, TX

Start a quote

Select a product to start a quote.

Find agents near
you or contact us

有一家公司随时准备为您提供个性化服务,以满足您的特殊需求.

Related articles

Information to include on auto insurance applications

申请汽车pp王者电子官网的过程似乎很有挑战性, 但如果能精确而谨慎地避免错误,就会变得更容易.

Buying a car, SUV or truck?

了解您的汽车或卡车在我们的年度汽车pp王者电子官网评级中的费率,以及它将如何影响您的保费.

How is car insurance calculated?

Learn how car insurance is calculated, 什么因素会影响你的价格,你可以做些什么来帮助降低成本.