In California, your auto insurance &quot;base rate&quot; cannot go up by more than a fixed amount (I think 40%?) upon renewal.<p>This explains why they give me both &quot;Good Driver&quot; and &quot;Exemplary Driver&quot; discounts. I shudder to think what it would look like to lose both discounts <i>and</i> have the base rate go up by 40% all in one fell swoop.