Insurance rates WAY WAY UP!

Well saturday we got our insurance rates for next year. OMG My insurance went upto 3400 a year from 2500. Leaving me with the question what happen? my points are not on my liesence and even my aunt and uncles rates went up. Anyone have any ideas on how to get the rates back down. I'm going to start shopping in April when the BMW is in my name.
I find it amazing everyone in my family got hit with a big increase. My insurance is going to be 3400 with no points or accidents when my dad pays 900 a year with multipule suspensions, big tickets and a few accidents. is'nt this picture backwards