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My Auto Insurance Premium Has Gone Up The cost of a fully comprehensive car insurance policy has gone up by £105.64 in the space of a year, AA Insurance says. Insurance fraud drives up premiums. So how much will my rates go up?. or in this case your insurance premium(s), so you have to keep it as “clean. Why does my car insurance go up even though my. Insurance. Car insurance; Home insurance;. Home insurance premiums set to soar in 2017. its gone up by 36%. Even if the insured has not had any accidents, the previous year’s accident rates in the area will directly impact the