Best Answer: The main things that contribute to auto insurance premiums being high are:
1. Your age - especially if you are under 25 - once you cross age 25, expect premiums to go down or at least stop going up.
2. The number of moving violations you've had (ie: any ticket issued because of something you did while driving). - If you have a bunch of speeding tickets, that goes on your driving record which the insurance companies access to set your rates. If that's true for you, you can offset that a little by taking a defensive driving class.
3. The deductible you chose. The lower the deductible, the higher the insurance costs. I would go with a $500 or even $1000 deductible and have a credit card you only use for emergencies to cover that if necessary.
4. The number of
claims you've filed.
5. Having periods of time with no insurance. They see you as a high risk if you sometimes go for a while between insurance companies.
1 claim from 5 years ago would not cause your insurance to double, so there must be something else going on here.
I would also shop around online. You can quickly & easily get quotes online from Esurance, Geico and many others. I've had both of those and Progressive, and Geico was by far the best and least expensive, and Progressive was the worst; especially when I actually had a problem.
You can also cut out some of the duplicate coverage if you have it. If you have comprehensive & collision, you don't need uninsured motorist. If you have health insurance, then you don't need the medical part of auto. Dropping those will save you money too.