为什么汽车pp王者电子官网费率上升了?

Everything seems to be getting more expensive lately, and auto insurance is no exception. 根据 《pp王者电子官网》杂志顾问, the cost of auto insurance went up more than 17% from July of 2022 to July of 2023. Here are some reasons why auto insurance rates are going up, along with what you can do to help manage your car insurance 溢价 increase.

汽车pp王者电子官网费率上升的一些原因

在2020年开始的全球大流行期间, federal and local 政府ernments enforced shelter-in-place and social distancing guidelines. 然后，我们看到事故减少，损失也减少了, 因为路上的车少了, schools being virtual and many companies allowing their employees to work from home.

但现在, 大流行几年后, 道路又繁忙起来, many people are working in-office and schools are back to in-person learning. 这导致了……的增加 车祸 and injuries, which has caused car insurance rates to rise.

通货膨胀

美国的通货膨胀.S. 是3点.4% in 2023. 尽管没有前两年那么高, it has been historically high compared to the last 15 years. This economic trend has affected the prices of many goods including groceries, gas, housing and cars. And because cars (both new and used) are now more expensive to get, 修理和更换, 它最终会影响pp王者电子官网费率.

汽车维修成本上涨

Supply chain disruption and labor issues that started during the panademic and continue to this day, 对车辆维修成本有影响吗. This includes longer times to repair a car involved in an accident. 结果是, t在这里 are additional costs associated with policyholders using a rental car longer while they wait for their car to be repaired.

此外，新技术， 比如停车传感器、车道偏离警告, and better battery technology, have added to the rising cost of repairs. While those smarter sensors and stronger devices can help improve safety, 它们修理起来也更贵.

电动汽车

拥有和使用混合和 电动汽车 在美国.S. 在过去的几年里变得越来越流行了 16.2023年占销售额的3%，而现在是12%.到2022年占销售额的9%. 电动汽车 help the environment by producing less gas emissions, 但它们的收购成本更高, 修理和更换, 哪些因素会导致pp王者电子官网费率的上升.

由于分心驾驶导致事故增加

根据状态 Farm®的调查， 67% of drivers said reading or sending texts while driving 会让人分心吗, and over 70% of drivers report watching a video or recording video (67%) to be distracting/very distracting. Even voice-activated car commands can divert cognitive abilities and attention. Rethink using the phone while driving, and avoid being tempted by other 驾驶分心. If you have a teen, talk with them about safe driving habits. 国家公路交通安全管理局的研究 has found that the risk of accidents in teens is 23 times more likely when they are texting and driving.

天气灾害

美国.S. 在2023年经历了许多天气灾害, 其中几起造成了至少10亿美元的损失, 根据 气候.政府. Among the weather catastrophes that our country encountered in 2023 were 夏威夷毛伊岛的野火加州历史上的洪水和热带气旋. 当 恶劣天气袭击, it impacts the insurance industry and 溢价s can be affected. 例如，州立农场支付 120亿美元 在2023年的灾难性索赔中，相比之下 70亿美元 在2022年期间支付灾难性索赔.

帮助管理利率上升的方法

A 个人价格计划™ 帮助你创造一个可承受的价格(只为你).¹ 与你的 州立农场代理 关于节省账单的可能方法.

• 开车安全 & 保存™ puts you in control of your 溢价 by leveraging driving data to customize your own personal discount.²
• 利用其他适用的折扣，如 多线路折扣, Steer Clear®安全司机折扣 25岁以下的司机和优秀学生折扣.
• 你的政策选择会影响你的生活 溢价. Consider having a conversation with your agent to evaluate your current deductible and pp王者电子官网 查看是否需要更改.