ok here we go again. i had the minimum. i raised it one up. it dropped 100 dollars. then i went up again. it DID GO UP 20 dollars. so over the minimum, i saved 80 dollars. if you dont have the minimum, this wont help you, maybe your insurance company doesnt work that way, but it worked for me. so yes, if you keep going up, your rate will increase, but if you go up one from the minimum it will drop. mine did anyway.