It's not uncommon for car insurance premiums to increase every six months, even if you have a clean driving record. There are several reasons why this might happen. One reason is the collective risk factor. Insurance companies calculate premiums based on the shared risk of all their policyholders. If the overall risk assessment pool increases due to a rise in claims across the board, everyone's premiums might go up. Another reason for an increase in premiums could be inflation, which affects the cost of buying and repairing a car. In addition, extreme weather conditions like floods and hailstorms can also lead to higher insurance rates.
There are a few steps you can take to lower your car insurance premium. One option is to comparison shop and look for the best rates from different insurance companies. It's also a good idea to review your policy and make sure you're not paying for coverage you don't need. For example, if you have an older car, you might not need comprehensive or collision coverage. You can also consider raising your deductible, which will lower your premium but increase the amount you'll have to pay out of pocket if you file a claim. Finally, maintaining a good driving record and avoiding accidents can help keep your insurance rates low.