My good friend is my agent, and we had a very in depth conversation this year pertaining to rising rates. What is happening is the vehicles (and components especially) are getting to be insanely expensive and hard to get ahold of due to a still limited supply due to the whole covid conundrum. Thus they need to raise rates to be able to cover this increased cost. He was telling me i could use a broker, get a better deal, but good luck collecting on a claim. They charge less and pay less or not at all because of their fine print they weasel out of claims. 75% is absurd but call and talk to them as to why. i have had my headlight replaced and was told if i wasn't still under warranty that it would be about 1200 dollars. Heck if i hit a deer, that could easily see that being 6-10k as opposed to 5 years ago pry a 2-4k bill. Home, auto, everything this year has increased.
idk maybe this helps, maybe not, just thought id share my .02