How To Lower Car Insurance
After An Accident Or Ticket

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How to lower car insurance after an accident or ticket. Here's some ways you can put any premium increases in reverse after you've been involved in a auto accident.

How To Lower Car Insurance After An Accident Or Ticket

How To Lower Car Insurance After An Accident Or Ticket

Maybe you skidded out on a patch of sand and slammed into a pole. Perhaps you were late to work and pushed the pedal to the metal a little too far and ended up with a ticket.

In either case, as if dealing with the aftermath of an accident or a ticket isn't enough, you can't help but worry about your car insurance. All insurers raise their premiums after an accident or a ticket, right? Not necessarily.

With the following tips, you can ensure that your car insurance rates don't end up crippling your budget by learning how to lower car insurance after an accident or ticket.

Find Out If Your Policy Has An Accident Forgiveness Clause

Accidents are a part of life, even for the most cautious driver. Some auto insurance providers understand this and accept it. As such, they are willing to overlook the first accident a driver has and won't increase your premiums.

The details of an accident forgiveness clause vary from provider to provider to provider. Some will automatically offer accident forgiveness, while others require that the insured has no accidents for a period of three or five years before allowing this clause to go into effect. Either way, it's definitely worth asking about.

Take a Driving Course

Taking a driving course could reduce your premiums after an accident or a ticket. Your insurer may view it as you are taking an interest in improving your driving skills. If they do, they may be willing to lower your rate when it comes time to renew your policy.

While taking a driving course won't do any good if your accident or ticket was the result of reckless driving, but if it truly as an accident that couldn't be avoided, or your ticket was for something that you unintentionally did, it could help to lower your rates. This is a good way how to lower car insurance after an accident or ticket.

Nix Collision Coverage

One of the most effective ways to reduce your car insurance premiums after a ticket or an accident - or any other time - is by getting rid of your collision coverage. Though this strategy can leave you liable to pay for the repairs to your vehciles if you are involved in an accident in the future, it will certainly reduce your rate and make it more affordable. If you do decide to go this route, keep in mind that you can add collision coverage again whenver you decide you want it back.

Up Your Deductible

Another way to reduce your premiums after an accident or ticket is by increasing your deductible, or the amount you pay after a claim has been filed and before your insurance gets to work. Increasing your deductible could significantly lower the amount you pay on your premiums each month. However, before you decide on this option, make sure you determine if you are able to shell out more money in the event that you do get into an accident in the future.

Ask About Discounts

Most auto insurers offer discounts to their policy holders. Some car insurance discounts that may be available to you include low mileage driving (you drive less than 5,000 miles a year) and a loyal customer discount. Don't be afraid to ask about any discounts that you might be able to take advantage of. If you are eligible for them, you could save quite a chunk of change.

Foloowing are some examples of discounts auto insurers offer:

Look for a New Policy

Another way you can lower your car insurance premiums after an accident or a ticket is by shopping around for a new policy. Many people are under the assumption that once they are involved in a collision they are ticketed that all insurance companies will slam them with high rates. That's not necessarily the case.

Do some research to find out if there is another provider who is willing to offer you a lower premium, regardless of your accident or ticket. Remember that car insurance companies are eager to attract new customers, and one way they can do that is by offering the best price possible.

How To Lower Car Insurance After An Accident Or Ticket - The Bottom Line

We hope this article on how to lower car insurance after an accident or ticket has been informative. By following these tips, you might be able to get your car insurance premiums down after you have been in an accident or have been issued a ticket. If it means saving money, it's definitely worth a shot!

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