Why does my car insurance rate increase after every renewal period, regardless of my spotless driving record?

If your driving record remains clear but you see an increase in your rate at your renewal, it likely has something to do with a rating factor that is completely out of your control. Your rate is impacted by the number of claims happening within your zip code, population density, and your insurance company's cost of doing business, i.e. rent, utility bills, employee salaries. If it the cost to do business for your insurance company has gone up, then that cost gets passed on to their customers. The best thing you can do to combat rate increases is to shop around every 6 months, or at renewal, with as many companies as possible to ensure you're getting the best rate.