ALL insurance companies increase rates as time goes on. They are counting on customers being lazy and not looking to shift carriers. If you've had insurance with the same company for 4+ years, you will likely get a lower rate by moving to another carrier.
, find an independent agent, one that represents multiple companies, and just have them search for you. These agents will also be able to take care of the 4 year shuffle that you have to do to avoid wasting money.