Auto rates have remained level in 2013, but insurance agents say that could all change in a matter of months.
There has been no significant change in auto insurance rates because although hail and winter storms tend to hike prices, the safety features found in many vehicles today bring them down.
Insurance agents also say it takes at least one year for rates to be factored into new policies, and because of the significant hail damage many car owners experienced this summer, more claims were filed. This will jack prices up in the near future.
Insurance companies look at trends over a 12 to 18 month period, and will make adjustments based on the average cost per claim; the more claims, the higher the rates.