Insurance Rate Increase Factors

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Summary

In Missouri, insurance rates generally should not increase if you were not at fault in an accident, including your car being hit while parked. However, rates can still rise due to factors like regional rate increases, changes in credit score, or past accidents on your record. Shopping around for different rates is advisable. Consult with a local consumer protection agency or attorney for more specific advice.

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if it did not cause my insurance to pay what would be the reason to increase my rates?
Even if your insurance did not pay, rates can increase due to:
- An overall rate increase in your region
- Changes in your credit score
- Aging or changes in driving record
Please check with your insurance provider for specifics.
they said due to an accident found on my record
In Missouri, insurance companies can raise rates due to past accidents on your record, even if you weren't at fault. They consider past accidents as risk indicators. You may want to discuss this further with your insurer or consider shopping around for different rates.
i am shopping around for rates they are the ones telling me this
It seems like you're doing the right thing by shopping around. Insurance companies use different factors to calculate rates. If you feel your current insurer is being unfair, you might want to consult with a local consumer protection agency or an attorney for more specific advice.