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It basically comes down to three things. Rates, Losses, and Discounts. Generally speaking if you file a claim your insurance premium will go up. Insurance premium rates are determined by the company executives based on the need. They can make your premiums go up or down. If the state has experienced a large catastrophic event like a hurricane or storm the company may have lost alot of money by paying out claims and would need to recover some of its losses by increasing premiums. However, the change in premiums must be approved by the state department of insurance to make sure they are reasonable. Discounts can be added to your policy based on many things, "Claims Free", "Profession", "Longevity", etc, they will lower your rates.
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