Have you ever looked at your auto insurance bill and thought, “Why did my rate go up again?” This can happen even if you have a perfect driving record. You are not alone in this concern. The costs of car parts, repairs, and medical care have surged, prompting insurance companies to raise their rates. However, there is good news: not every insurer raises premiums at the same rate, which means you still have choices.

• Examine your coverage carefully, line by line.

• Keep a clean driving record.

• Compare rates with an independent insurance broker, such as Blue Rock Insurance Services.

Let us help you find a policy that genuinely protects you — not just one that costs more.