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The cost of renting an affordable car insurance policy has risen significantly since 2015, with average car insurance premiums doubling to about $2,300 for the 2018 model year.

While it may seem like insurance companies are paying more, the truth is that they’re paying less than they were at the same time last year, according to new research.

Insurers are paying less because of changes in the cost structure of the auto industry.

In the past, insurers could charge as much as $20,000 for a policy, but after the Affordable Care Act (ACA) expanded eligibility for some coverage and lowered premiums, insurance companies could no longer make such a large investment, the research by insurance consulting firm Avalere found. 

While most people still pay $1,500 for a car policy, insurers are not charging the same amount as they used to, which means a lot of people are paying the same rate.

In fact, the median annual premium for an affordable auto policy is now $1.15 million, down from $1 million in 2015. 

This is due to several factors, according the Avalere report: 1.

The number of people who are eligible for auto coverage has been decreasing, from 10.3 million in 2013 to 8.5 million in 2020. 

2.

The Affordable Care Acts mandate that insurers charge as little as $1 per mile, down a bit from $2.25. 

3.

Many people are still not covered under ACA-compliant policies, which have not increased the cost to the average family by as much.

 4.

The ACA’s cost-sharing subsidies, which allow people with very high-cost policies to pay less, are also reducing the cost. 

5.

Many policies are being adjusted to provide lower premiums for people with higher incomes.

For example, insurers can no longer charge more for a lower-cost policy if a higher-income policy pays for that cost.

More from ESPNCricinfo.com:Read more about affordable auto insurance and insurance rates:Insurers also have lower revenues than they used “to be,” which is why rates have been increasing.

The average premium for a new policy has increased from $6,800 in 2014 to $8,300 in 2020, according and Avalere analysis.

That is a 2.4 percent increase in three years, according a report from the Kaiser Family Foundation.

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In comparison, the national average was $31,000, according research from Experian.

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