No matter how great a driver you are, there is always a chance that you could be involved in a motor vehicle accident. This accident may or may not be considered to be your fault. Accidents and claims can negatively affect your insurance premiums, causing them to skyrocket. Accidents stay on your insurance record for at least 6 years. If you happen to be in an automobile accident and your rates have been affected, there are several ways that you can obtain low cost auto insurance.
If you don't already have accident forgiveness coverage on your policy, then you should add it as soon as possible. Accident forgiveness will 'forgive' the first at-fault accident that you have so that it won't affect your premium. Each accident you have that is deemed to be your fault will cause your rates to increase. The more accidents you have, the more your premiums will rise. Even if your insurance company doesn't offer this specific coverage, you can ask them to forgive the accident if it was your fault. If you have been insured for a number of years and have never had an accident, your insurance company may make an exception and not use this accident to raise your premiums.
Report all accidents immediately, no matter how minor they are. Witnesses' memories and the accident scene will be fresh and the investigators may find evidence that shows the accident was not your fault. If you wait for an extended period of time, this evidence may not be available and the accident may be deemed your fault.
Always keep your driving record clean. The more tickets and accidents that you have on your record, the higher the surcharges will be and that will result in higher car insurance quotes. If you happen to have just one minor accident, depending on the insurance company, this one little collision may not even affect your rates. However, if you have a second one, you can be sure that it will change your rates.
If you have had an at-fault accident, you may want to consider enrolling in a defensive driving course or other course that will help lower your rates. Check with your insurance company to see if they offer discounts for drivers who have completed specific safety driving courses.
Before you are even involved in an accident or have to file a claim against your insurance policy, you should review your insurance policy with your agent. If you have any questions or concerns, they can be addressed immediately. Your insurance agent can give you several car insurance quotes so that you can compare different low cost auto insurance coverage.