Why Is My Insurance 400 A Month. In our situation, we’ve actually found that the math puts a lower deductible in our favor, as we’d easily meet the $20,000 you’ve mentioned each year. Another reason car insurance can go up for no apparent reason is when the named insured has had a change in their credit.
You go to the doctor a lot or have a lot of tests done. The good news is there are some simple things you can do to lower your premium. You can purchase a full coverage policy to insure your car, that costs $147 a month, or $1,758 per year, on average.