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How can I lower my car insurance after an accident?

I got into a car accident last week and worry my insurance rates will skyrocket. How do I bring my premiums back down after a collision?

avatar
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry about your accident and hope nobody was hurt!
Your insurance could go up after an accident
 by as much as 25% for three years, but there are several ways to bring it back down.
Here’s how to find
cheap car insurance
 after getting into an accident:
The first thing you should do is inform your insurance provider of the accident and ask if it will affect your rates. If you weren’t at fault and haven’t had any other accidents in a while, your rates won’t increase by much. You can also ask if the company has an
accident forgiveness
 policy, which could prevent them from increasing.
If all else fails, compare
multiple car insurance quotes
 to find a better deal with a different provider. Focus on driving safely and your rates will go back down eventually.
MORE:
How to lower car insurance premiums
Car AccidentsCar Insurance RatesDriving Record
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