Four Ways To Reduce Insurance Costs After An Accident

Four Ways To Reduce Insurance Costs After An Accident

11.05.2022: It can be a pain when you accidentally get into a car crash and have to pay additional insurance costs because of your mistake. On average, the car insurance rate increase




It can be a pain when you accidentally get into a car crash and have to pay additional insurance costs because of your mistake. On average, the car insurance rate increase for an accident you were at fault for is 45% if you caused damages. The rate increase is 47% if you caused bodily injury to the other party.


While there may seem to be no recourse for an increase in insurance fees after a bad car crash, some remedies can help improve your situation. According to 1-800-Injured, you can try the following methods to help reduce insurance costs.







Ask Your Insurer About Accident Forgiveness


Every car driver’s insurance rate and premiums are based on their driving record, which means that a car accident will cause a rate increase. With accident forgiveness, your insurance rate stays down and prevents you from getting a price hike after a car crash. You can add this coverage to your insurance policy. However, not all insurers offer accident forgiveness.


Also, accident forgiveness typically only applies to one accident per policy, not per driver. The accident will also stay on your driving record even if it was forgiven by your insurer. This can still influence rates if you were to switch to another car insurance company.





Maintain A Good Credit Score


When you work hard on keeping your credit score up, this can also help reduce insurance costs. A strong credit history helps prove that you are a reliable person, and is one of the main criteria insurance companies use when pricing your auto insurance policy.

Individuals who maintain their credit and keep it up tend to have fewer claims. This is why car insurance companies favor customers that have great credit.




Find Out About Insurance Discounts




Many people don’t know that there is a wide range of car insurance discounts that are offered because of different conditions.

For example, if a student has good grades or a commuter is a safe driver, these conditions may be rewarded with a car insurance discount. The most popular forms of discounts include the following:




Low Mileage Discounts


When you use your car sparingly or only need to travel short distances, you can be rewarded with a low mileage discount.




Driver History


If your driving behavior was accident-free, you may be considered a good enough driver to receive a discount. This may include your driver history within the past three to five years.




Customer Loyalty


For customers that have been loyal to one or more products under continuous coverage, the insurer may reward them with a discount.




Company Policy


If you allow automatic payments, your company may provide a discount to help prevent you from becoming forgetful and not paying on time.




Personal Traits

Your lifestyle choices and behavior may also be rewarded with a discount. For example, owning a home or being a straight-A student can receive an insurance discount.





Vehicle Features


Other discounts can be applied if your car has features that are considered desirable. For example, environmentally friendly technology, anti-theft devices, anti-lock brakes, dual airbags, model year, and other car features can help you receive a discount.




Affiliations


If you are part of a club, organization, or affiliated with a group that allows you to receive insurance discounts, you can let your insurer know.



Find A Usage-Based Car Insurance Program


You can get an auto insurance policy that is priced based on your driving habits. For example, your location, age, motor vehicle report, and other factors help determine what your policy will cost.


This can be a mileage-based or driving-based program that takes into account the number of miles you drive each day, how fast you accelerate when you drive, and how frequently you brake. A usage-based insurance program can reduce your costs based on your current behavior and help you earn a rate reduction.




What Can I Do After I’ve Been In An Accident?


You can find out if you are entirely liable for the accident or partially at fault. If you were recently in a car accident and were partially at fault, you can still receive compensation with help from your attorney. It is also possible that you can tell your insurer how you were only partially at fault to help prevent them from putting the entire blame on you. This may also help your insurer see you in a better light and not raise the insurance costs because you were only partly negligent.





photo Pixabay Netto Figueiredo


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11.05.2022 / MaP

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