<prompt> Human: Hi all, I bought a 2013 Honda Civic last year used. This is my first car and so my first time dealing with auto insurance. I am a 24 year old female with a clean driving record, if thats necessary information here. A couple weeks ago, my rate increased by 30 per month. It was the beginning of a new period, about 1 year after I started with this insurance company. When I asked why it increased, the rep said it was due to a change in how they calculate rates in my state, and the cost of replacing parts on my car increased as well.Is this normal? I already pay a lot for insurance because Im so young. If anything, I expected my rates to go down over time. Should I switch companies? Or is there a major downside to that?  <response>: Ive never experienced auto insurance rates decline unless I change my coverage or provider. They almost always rise. I recommend you shop around for coverage to find a better price. 