You Start Driving More Miles
If you stop to think about it, this one makes sense. The more miles you drive each year, the more likely you are to get into an accident. So that great new job you're all excited about -- the one that's an hour from home -- may mean a steeper car insurance bill, since your insurance company is now at greater risk with you logging more miles on the road. There's no magic number of additional miles driven at which all insurers raise rates, so ask your company what its specific rules are in this regard if it's a concern [source: My Car Insurance Rates]. Remember, too, that if you suddenly start driving fewer miles, you may be able to lower your rates.