Have you told the insurance company you're married yet? Usually that will reduce your rates as well... the increase is probably a yearly rate increase and nothing you have done wrong, but then again, could be related to the accident with the Civic. You should call the insurance provider and ask why your rates went up. Ours went up recently and I learned it was a combination of my last three speeding tickets (I had a string of bad luck - I speed all the time, but there was a year long stretch where I got 3 tickets b/c I wasn't using my cruise control and sped just a bit too much and didn't see the cops before they saw me. lol) and yearly rate increase. Supposedly you can avoid this yearly rate increase by shopping for insurance every year, but who's got time for that?