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China Grove, NC

(704) 784-3300
Concord, NC

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Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

Why do my auto insurance rates keep going up even though my car is getting older?  At Jason Bentley Agency, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?

None.

How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.

I had a question about a refund check that wasn’t the amount I had expected, and Dana at the Jason Bentley Agency was definitely the right person with whom to talk! She patiently walked me through the elements of the policy that influenced the refund check, and I want to publicly thank her for helping me out. Thank you, Dana!
Steve Coughlin
Steve Coughlin
Jason and his staff are great. He has been my Go To agent for insurance for over 10 years! Home, many Auto policy’s , and several RV’s through the years. Highly recommend!
Terry Callahan
Terry Callahan
The whole staff is super nice and always ready to help. They get the job done the right way and fast.
Leslie Vice
Leslie Vice
great service by great people.
Mary Decker
Mary Decker
Jason and his team are great to work with. The response I receive is always top notch and very fast.
Jon Korbely
Jon Korbely
They make sure you understand everything about what's going on. the people that work at this location are very friendly
James Ruiz
James Ruiz
I would like to thank the entire Bentley Agency for saving me lots of $$$ on insurance policies. What a delightful surprise for them to take the initiative to check my policies find some savings. Keep up the great work y'all:)Thank you ,The Kosi household
Riaz Kosi
Riaz Kosi
Erica is absolutely fabulous, very efficient and friendly! Thank you
Teresa Durham
Teresa Durham
Jason and his team are wonderful.
Katherine Lucas
Katherine Lucas
Very helpful with all my insurance needs ...Friendly and reliable...
Michael Collins
Michael Collins
Dana helped me a lot in switching my insurance over to my new car and was very professional and got me my paper work in a very timely manner.. Thanks a lot Dana!
Tamara Weaver
Tamara Weaver
From having an accident, to buying another car. His team had always have my back!!
Jason
Jason
Great customer service.
Cheryl McClellan
Cheryl McClellan
Very helpful and responsive to my questions and needs. I would highly recommend this agency to you.
Marvin VonCanon
Marvin VonCanon
Very helpful and responsive to questions and needs!
Lauren Culp
Lauren Culp
I contacted this agency over a holiday weekend and Jason responded quickly! I worked with Dana and was able to get everything I needed very quickly and efficiently!
Haley Bonin-Carter
Haley Bonin-Carter
Very nice people cheap insurance
Kellie Ghent
Kellie Ghent
One of the best things about our experience with this agency is the immediate response we always receive. In addition, the kindness and 'family feel' of being a long time customer makes us feel safe and appreciated.
Bonnie McNay
Bonnie McNay
Quick turn around and responses. Very professional
A Floyd
A Floyd
Darrell Yarborough has always taken care of me and my family, any time I have ever called for information he’s always quick to help me out, always friendly and quick.
Jon Efird
Jon Efird
I have been with Nationwide for many years. Jason Bentley and his staff are friendly, helpful, and knowledgeable. These people will take care of you and treat you like family.
Angie Bailey
Angie Bailey
Jason is the best! I recommend everyone I know to him!
Jen Mugnano
Jen Mugnano
Dana is fantastic. Knowledgeable, helpful and quick to respond!
Nancy Nesbit
Nancy Nesbit
Save me some$$. Switched from State Farm Insurance. Been with State Farm Insurance for 28 years. Just kept going up on their prices and found it for basically the same coverage for less$. It really pays to compare Insurance coverage no matter how long you've been with a company.
M Honeycutt
M Honeycutt
Dana has absolutely assisted our family for years with insurance issues. This last week she went above and beyond and even after hours to assist again. She is absolutely gold. Give her a raise Mr. Bentley...
John Andrews
John Andrews
We have always had excellent service from this agency because of Dana! We love her and her excellent knowledge that comes from experience. Highly recommend!
Angel Teems
Angel Teems
I am not exaggerating when I say that I am so excited to have Nationwide as my insurance agency! I was a Nationwide customer years ago, and I am happy to be back with such an incredible agency. The agents respond to emails very quickly and always answer the phone when I call the office. I am super happy to partner with such an amazing group of individuals to protect my family, vehicles, and home!
Alex Ventura
Alex Ventura
Jason provides a level of personalized service that is unbeatable. He is easy to work with, quick to respond to questions and is very knowledgeable about the insurance profession. I’ve worked with him on both business, homeowner and auto policies.
Ashley Goodnight Roberts
Ashley Goodnight Roberts
i’ve been with state farm for awhile until nationwide quoted me HALF of what i was paying. dana has taken very good care of me and made everything as easy as possible.
Jordyn Kroger
Jordyn Kroger
CARISSA KISER IS AWESOME- BEST CUSTOMER SERVICE OUT THERE AND KNOWLEDGEABLE AS WELL!
Marcie Pack
Marcie Pack
I have had insurance with the Jason Bentley Agency for a few years. Everyone at the Agency has had exceptional customer service. I have had to make some special requests or have asked crazy questions; 99.9% Carissa gets my call. She is always extremely nice and patient. Carissa makes calling easy and I feel she goes over her duties to make sure I am taken care of. Thank you to the Jason Bentley Agency and Carissa for providing exceptional service and support.
Amber Thomas
Amber Thomas
Jason is the best! Super responsive and easy to work with. I've worked with many different insurance agencies and his customer service is definitely the best. Highly recommend if you are looking for new insurance coverage!
Stacy Melton
Stacy Melton
The Bentley agency has providing me superior service for the last 8 years for auto, home, and life insurance policies. I would recommend them for all your insurance needs.
Riaz Kosi
Riaz Kosi
Jason is awesome!! Always has the best customer service. Would recommend him to anyone
Heather Tilden
Heather Tilden
Always get treated with respect have been going here for years
Luis angeles
Luis angeles
We been in partnership with this agency since 2002. Their customer service is hard to beat! Always responsive and willing to help out at a moments notice.
Suzanne Creed
Suzanne Creed
Excellent, very timely and professional service. Would definitely recommend this agent and office to any and everyone. We got just what we needed for our auto and home insurance. Great job to Jason and his office.
Logan Carl
Logan Carl
Great service! They resolved my issue in one phone call! We would refer them to anyone!
Don White
Don White

(704) 857-9512

1435 N. Main St. China Grove, NC 28023​

(704) 784-3300

646 Church St. N Concord, NC 28025