How can my auto insurance carrier change my rate after the policy started?

I started my policy with Allstate a month ago. The price was great at first, but I just got an email saying my rate is going up $450 due to a ticket they found on my record. That was from two years ago. Why didn't they tell me about this earlier?

Answer provided by
Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“It is very unfortunate when the price of the policy changes after it is issued, but it can happen. Insurance carriers have up to 60 days to change the price of the policy if they discover new information.
Sometimes this can happen if the motor vehicle reports were delayed in returning information. If they had the wrong driver’s license or number, or if the name of a driver was misspelled, the insurance company might not have been able to order the reports until the policy was issued.
When this happens, the best thing to do is to get new car insurance quotes online. While shopping, make sure all driving activity for any driver on the policy is accurate. This will ensure that there will be no surprises in the future.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies.”

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