<prompt> Human: I am 20.. I got in a car accident at fault with only a guard rail when I was 16. My car insurance is 260 and I have a 2016 Jeep Cherokee.Every time I get a renewal it just seems like the premiums keeps raising, ive had no claims since 2015. Rewind the end of last yet I was paying 190. When I got the renewal my new rate was 260.. I called State Farm and they just had the excuse we had a really bad year last year. Do I have any hope? Will my rates just increase more and more for no reason? Im getting sick of this. Any advice you guys can give me to get it lowered?My CC actually went from 2017 FICO 540 to 2018 FICO 700  <response>: Shop around for new insurance. 