Why do the rates change all the time?

There are many different reasons why the rates change. If you're comparing the prices between different companies, you may find that each company has a different target market of drivers. For instance, some companies will specialise in high risk insurance such as extensive claims history or very expensive vehicles whilst others specialise in low risk, small vehicles, no claims or convictions. It all comes down to comparing what's included in the policy with the price and making the decision that's right for you.