Why Your Insurance Rates Are Going Up (And What You Can Do About It)

One of the most common questions we hear at Roland, Abbott & DeZoort Insurance is: “Why is my insurance going up?”

If you’ve asked yourself that lately, you’re not alone—and the good news is, it’s not just you. Nearly every insurance category has seen significant price increases over the past few years. While it can feel frustrating, there are two key reasons behind the rising costs: losses and inflation.

Let’s break that down.

Insurance companies have experienced unusually high losses in recent years—from devastating hurricanes in Georgia to widespread wildfires in California. These large-scale disasters don’t just affect those regions—they create ripple effects that impact premiums across the country. Insurers often have to raise rates in other areas to offset those big losses.

The second factor is inflation. Even though the peak inflation crisis from 2022–2024 may be behind us, the impact is still being felt. Vehicle prices—both new and used—remain at historic highs. Repair costs, parts, and labor are all more expensive than they used to be. Add in potential tariffs, and the pressure on pricing only increases.

Here’s the good news:

When you work with an independent agency like Roland, Abbott, & DeZoort Insurance, you don’t have to face these changes alone. We represent dozens of carriers and shop around on your behalf to find coverage that fits your needs and budget. We advocate for you—not the insurance companies.

If your rates have gone up and you don’t feel like your insurance company is on your side, give us a call today. Let our team of trained, seasoned, local experts find you the right coverage at the right price so that you will have peace of mind.