“When insurance companies rate your policy, they look at a CLUE report, which has information about past claims, including how much the insurance company paid. If there was a lot of damage in the accident, it would impact your rate more, but the impact will lessen over time.
The best thing to do now is to compare as many quotes as you can to make sure that you are getting the best rate. You may need to get rid of some of the “”extra”” types of coverage like towing or rental reimbursement to help lower the cost.
Also, to reduce your premium, look at increasing your collision coverage
deductible to the highest limit; this is usually around $2,500.
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