Car insurance has a funny way of becoming invisible. You sign up, set the payment to auto-draft, and then forget about it—until your bank account reminds you every month. The problem is that many drivers end up overpaying not because they’re reckless or unlucky, but because their policy hasn’t kept up with their life. If you’ve ever wondered whether your premium feels a little too spicy for what you’re getting, these signs will help you figure it out.