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How do I lower my car insurance after an accident?

I was not at fault in an accident two months ago. My insurance just renewed and my rate went up. How can I lower my car insurance after an accident?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The simplest way to lower your
car insurance
 after an accident is to shop around. While any accident can impact your car insurance rates, some insurers don’t rate not at fault accidents negatively.
You can request
car insurance quotes online
 with at least three companies to determine what your best rate will be. You may also want to use an app like
Jerry
. Jerry is a free, licensed insurance broker that lives in your pocket. Jerry collects quotes from up to 50 top insurance companies to provide you with the best rates.
If you don’t want to switch insurance companies, you can also see if you’re eligible for any discounts. Some companies offer
accident forgiveness
 or driving behavior programs.
Another option is to reduce your coverage or raise your deductibles. Both would lower your overall premium cost, even after an accident.
More:
Does a no-fault accident go on your record?
Car InsuranceCar Insurance RatesCar Accidents
View full answer 
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