How to Get Auto Insurance Rates Lowered after an Accident

How to Get Auto Insurance Rates Lowered after an Accident

Auto Insurance

One of the main expenses of owning a car is paying for auto insurance. All drivers must carry enough insurance to cover any damage they might cause. However, auto insurance rates can go up when you get involved in an accident. Even if the accident was not your fault, because you made a claim on your insurance policy it can affect how much you pay. There are several things you can do to get auto insurance rates lowered after an accident.

  1. Eliminate the comprehensive coverage:
    The easiest and fastest way to get your auto insurance rates lowered after an accident is by dropping the comprehensive coverage. Although, there are some chances of leaving you more vulnerable if you get involved in another accident, but it will help lower your rate so that it is more affordable. However, the comprehensive coverage can be added back later, after about six months to one year of clean driving.

  2. Ask the company for accident forgiveness clause:
    Some auto insurance companies may accept the fact that accidents are a part of life and may be willing to ignore the first accident and may not increase the premium because of it. However, every company has different programs. Some companies may immediately provide an accident forgiveness clause, while other companies may require you to be an accident free policy holder for about 3 to 5 years.

  3. Take a safe a driving class:
    After an auto accident, it is advisable to take driver’s education course. These classes offer up-to-date, research-proven tips and techniques for becoming a safer driver. Some insurance companies look at this as you trying to improve your driving skills. Thus, it may help lower insurance rates when it comes to renewing the policy.

  4. Prove no fault:
    Your auto insurance rate can be lowered if you prove no fault for the accident. To lower the rate, you need to contact the claims adjuster that handled your accident. You can use photos from the accident scene or testimonies of eyewitnesses to challenge the police report and prove that weather, poor signage or another driver was the cause of the accident.

  5. No matter how small, report every accident:
    You should always make sure to report every type of accident, whether big or small, that you get involved in. When you don’t report the accident to your insurance company and the other driver decides to sue you in the coming weeks or months, it can result in your insurance company refusing to honor your policy. You may face any potential judgements and high legal fees involving the accident.

  6. Look around for a new policy:
    One of the best thing you can do after an accident is look around for another auto insurance company. You can check for a company that will offer you a better price on the coverage that you need. It is always advised to shop around for auto insurance at least once a year, whether you get involved in an accident or not. This way, you can get the best policy for the best possible price.

  7. Contact NY Auto Quotes for Affordable Auto Insurance Rates

    If you are looking for an affordable auto insurance company, contact NY Auto Quotes. We offer affordable auto insurance coverage. To contact us, use our simple auto insurance quote form or call us at (800) 490-6174. You can also email us at One of our insurance professionals will be happy to explain our coverage benefits and give you a free NY auto quote today.


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