Answer: You've asked a great question here and one that I know comes up for a great many people. There are many factors affecting the cost of insurance and I won't go in to them here for the sake of brevity. I will say that, in my experience, all insurance companies increase their premiums annually. You say that your insurance premium has increased twice this year. My guess is that this is due to the regular annual increase and may also include an age-related increase. It's worth checking with your insurance company to see what these increases represent. One thing worth noting is that all policy holders of the same age in a given zip code receive the same percentage increase. It is never a person-specific increase. You also asked whether there is an insurance company that recognizes good customers. The only insurance company I know of that rewards customers for not making any claims is Assurant Health. They will write to such customers after their policy has been in place for one year offering them a 10% discount (subject to a written application).