<prompt> Human: I live in Boston, Massachusetts and have Allstate insurance. I have two cars, a 2011 BMW 128i financed and a 2004 Toyota Corolla owned. Both cars are driven less than 5000 miles per year. I havent had an accident since 2009 not my fault and zero tickets since 2007.Last year, my yearly policy premium was 2500. This year, my new policy premium was 3700. The primary reason was the BMW, which was increased about 900, distributed proportionally between all the options, and the other 300 was for the Toyota. I choose 1000 deductible collision, have no premium options like glass replacement, and low amounts of everything else.I call Allstate, and ask why my premium went up 1200 despite me aging a year, the cars being a year older, and having zero issues. The guy said he will call me back after he investigates.While waiting, I go to the Geico website, and get a 6 month quote for 812 with the same exact options. I then call Geico and get it extended at the same rate for one year, for 1624 total. I saved over 2000!An hour later, the Allstate guy calls me back, and tells me that there is nothing he can do and recommends I shop around. I tell him I saved 2000 with another company, and he says great, and quickly hangs up.rpersonalfinance, does anyone have any ideas what is happening here? My only guess is that Allstate milks policies once they are a certain age to make more money, hoping few people switch. Can anyone who knows about auto insurance explain this?  <response>: Lots of misinformation in here. I work in IT for a startup auto insurer and we never jack up rates just because. Nor do we increase rates for renewals because we think theyre too lazy to switch. What I will tell you is auto insurers increasedecrease rates ALL the time. But its due to A LOT of factors, and I do mean A LOT. It could be anything from their loss ratio changing in the stateterritory, the amount of fraudaccidentsclaims in a stateterritory. If a territory has unfavorable customers theyll increase rates. There are a million reasons rates increase. There are also reasons your insurance can rise that may not be affected by increasing rates like your vehicle age, YOUR age, minor things like that can be rated differently based on only a 1 year difference. My advice is exactly what you did. Always shop around, I personally shop around every time my renewal comes up. 