How can I get cheap car insurance after an accident?

I got into an auto accident a couple months ago and my rates have gone up so much since then. I'm considering finding a new insurer. How can you get cheap car insurance after an accident?

Answer
Sorry to hear about your increased rates! Luckily for you, there are a few things you can do (even after an accident) to try to find a better insurance rate:
  • Improve your personal credit. A poor credit score makes you a riskier person to insure. Increasing your credit score will help you score lower rates in the future.
  • Drive or switch to an economy vehicle. The more expensive the car, the higher your premiums will be. Cars with the latest safety features may make you eligible for a safe vehicle discount.
  • Shop around with multiple providers. Some providers are more forgiving toward drivers with accident histories than others. Chances are you’ll find a cheaper quote the more providers you investigate.
Almost all providers offer multiple discounts to help you save on your premiums no matter your accident history. You may be eligible for a multi-policy discount by bundling home and auto or a multi-vehicle discount by adding a second car to your policy.
If you’re not sure where to start, just use Jerry!
Jerry will generate competitive quotes from top providers and deliver them straight to your phone. When you find a new policy you like, Jerry will help do the hard work of canceling your old policy and registering for the new one for you.
Carlos Kirby
Answered on Nov 04, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!
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