<prompt> Human: My insurance renewal came and was significantly higher than my previous 6 month rate. I always pay 6 months at a time. The previous 6 months was 480 and now it is 680. I called and they were unable to tell me why it was higher, so I looked around at other companies and several were up to double the rate 1200 - 1400 which has me curious. I did have a claim in December last year that was fairly large - long story short at some point I ran over a bag that got sucked into my transmission and I had to get a new transmission and clutch. extremely unlikely to happen but apparently it is possible The insurance paid approximately 2500 and I covered the other 1500 or so. I also have a speeding ticket from 2.5 years ago and other speeding ticket from a little over 3 years ago. The speeding tickets are from when I lived in another state but I think they would have found them or not found them previously so that shouldnt impact the large rate increase. Any thoughts on what could have caused this? Tips to lower the rate? Relevant details:Insurance with AAA, went from 4806 months to 6806 months.Had large claim approximately 2500 in December but no fault and no actual accident although maybe running over a bag is technically an accident? Its a bit of a bizarre occurrence.Have two speeding tickets from when living in another state 2.5 years ago and 3 years ago  <response>: Any thought why?Then you proceed a few obvious reasons why it increased. Cmon now. Your speeding tickets and large claim my dude. Even if you disregard the older speeding tickets, the large claim is enough to explain it. 