<prompt> Human: Didnt see the insurance subreddit initially and hoping I can get some help.I currently use Geico and have some pretty extensive coverage. In the past five years Ive been in two not at fault accidents between July of 2014 and January of 2016 my car was parked both times, front bumper got hit in one, rear bumper got hit in the other, and two at fault accidents between October of 2012 and August of 2015, which were both fender benders with no injuries resulting in damages of 600 and 2500 respectively. My premium was just increased from 105 a month to 130 a month and I was told by a Geico representative that the increase is due to my at fault accidents AND not at fault accidents. I can understand why my premium would go up for the accident I caused, but why would I have to pay more for any not at fault accidents, especially when neither not at fault accident required my insurance company to pay anything. Seems a bit ridiculous to me, and quite frankly, shady.  <response>: Youve reported four accidents in five years.Theyre taking that into account in the rates they charge you. 