Alot of things get taken into consideration when a business sells a product. Just like any other good business they have to offer the best product possible for the most competitive price they can but at the same time providing the business and its employees a competitive place to operate/work. Many times with respect to auto insurance especially, the circumstances are not always related to you. They have to take into consideration where you live, the criminal activity and paid out claims as a whole and collectivly the cost of doing business in that area VS. the amount they have paid out in claims. My last insurance company raised my rates almost fifty dollars over a six month polcy without and notice and I was not happy once I found out it had nothing to actually do with me. I calmed down after it was explained to me that the summer before when there was a big fire in my state that put a very big stress on their ratio of income to pay out they had no choice but to raise the rates across the board. It wouldnt be fair to just raise them on those who put in a claim because a fire burned down their house or something like that. All I know is I love USAA and the service should you ever have a basic or much more involved claim is amazing.
Hope I helped anyone reading this. Sorry for being long winded
