What happened to Dermer happens to all of us, though we may not be aware of it. Insurance companies base your annual premium on a handful of things, which are lumped together as an assessment of your risk as a customer. Your driving record plays a big part, but where you live and the insurer’s history of claims in that area is a big one.

https://www.thestar.com/business/personal_finance/investing/2016/08/15/one-good-driver-receives-a-600-car-insurance-surprise-mayers.html