Over the past few years we have seen automobile losses increase dramatically. Several factors are at play, such as texting and driving. There is also another driving force. The aftermarket parts market has increased their costs 50% to 80%. Read the article below for details. I expect to see all auto insurance companies raise premiums in the near future as a result of these factors. If the cost to replace goes up, then so will rates.
DIAMOND STANDARD PARTS, LLC HAS DONE EXTENSIVE RESEARCH ON THE IMPACTS OF PART DESIGN PATENTS.