Manage premiums and September is child passenger safety month

Car insurance premiums trending up in 2026

After a welcome dip in 2025, auto insurance premiums rose in the first half of 2026 and are expected to keep climbing in most states through year-end, according to an Insurify report.

Insurers pay claims based on what it costs to cover accident-related medical expenses and repair bills, and these costs are rising fast:

• Repair and parts costs have climbed sharply in recent years, outpacing general inflation.
• More frequent severe weather events, such as hail, storms, and flooding, are driving up comprehensive claims in many states.
• Medical and injury claim costs continue to rise.

When it costs insurers more to settle claims, those costs get passed on to policyholders. Rate changes vary by state, driving record, and insurer. Many drivers can expect their premiums to increase, even if nothing about their driving record changes.

What you can do

• Before your next renewal, talk to your agent about the following:
• Shopping the market for a more affordable carrier
• Telematics or usage-based programs that reward safe driving
• Bundling auto with home or renters insurance to trigger discounts
• Adjusting your deductible to help reduce premiums

A brief conversation with your agent could help ensure you’re getting the best rates available.

Is your child in the right car seat?

Every September, Child Passenger Safety Week reminds parents and caregivers that motor vehicle crashes are one of the leading causes of death for children in the United States, and many of these deaths are preventable.

A car seat that fits a child’s age, height, and weight can help reduce the likelihood of crash-related injuries and death.

Take a few minutes to double-check your child’s car seat:

• Check the fit. A child’s car seat needs will change as they grow. Rear-facing, forward-facing, booster, and seat belt car seats each have specific age and size guidelines.
• Install it correctly. A car seat can’t properly protect a child if it’s installed incorrectly.
• Don’t rush the transition. When in doubt, stay with the more protective option a bit longer.

Many communities offer free seat belt inspections during Child Passenger Safety Week. Making sure your child’s seat is right for their age and size only takes a few minutes.

This newsletter is intended for informational use only. © 2026 Zywave, Inc. All rights reserved.