My premium has gone up exactly $200 in 2yrs. For what? No claims, same coverage, etc etc

Who else?

The rates decrease 5% per year for the first 2 renewals if there are no claims with our program.

My guess is the company feels each year you are insured they have elevated risk? Possibly their costs are increasing, who knows. I also dislike insurance rate hikes when your value is declining & no claims!

My insurance premium is exactly the same every year for the past 4 years.

My agent says it's because I live in TX and offered no other explanation. I managed to find my way to zero deductible so he's going to change the deductible on the policy to try bring and bring the premium down. I don't mind an increase when it's justified, but to get hit for no apparent reason gets my blood pressure up.

Feeling the same pain here in Florida...

Homeowners went up about $400 along with my boat insurance (also about $400)

Nothing has changed with zero claims.

Mine has gone down little by little over the last several years. No claims.

Also - My personal preference is to have large deductibles and lower premiums. I feel like Insurance is for catastrophic incidents. If something happens that is only a couple thousand dollar issue I'll just pay it - I figure I'd pay more in increased premiums over the coming years than I would just paying out of pocket to fix the issue.

It usually means the company you are with had lots of claims that had nothing to do with you. For example there is a local P&C carrier here in Utah called Bear River, we had a bad wind storm and they insured a lot of those claims...They had a large rate increase acroos the board to cover those losses...