How do I lower my car insurance premium after an accident?

I got into an accident a few months ago. My car insurance is set to renew and my rate went up $100 a month! How can I lower my premium?

Finding out an accident raised your premium is the worst! It’s extremely common, so know you aren’t alone in a rate increase after having an accident.
When policies renew, both you and your car insurance company have a chance to rerate or reconsider your policy. For an insurer, that usually means looking at anything that may have changed in your driving record or claims history. For you, it can mean a chance to shop around and possibly find a lower premium before your policy renews.
Since your insurance is renewing, contact your current company to see whether you qualify for any discounts. You may want to take a driver training course or find out whether you’re eligible for occupational or educational discounts. You could also enroll in a telematics or driving behavior program.
If you carry full coverage or optional coverages such as rental reimbursement, talk to an agent. You may be able to adjust your coverage levels, which could reduce your premium.
You should also request car insurance quotes from at least two or three other companies. Insurance rates vary between companies, so shopping around is essential to saving money. Even if you have an accident on your record, you may still be eligible for a lower premium elsewhere.
That’s when you should check out Jerry. Jerry is a licensed broker that offers end-to-end support all while living in your pocket! Jerry collects car insurance quotes from top insurance providers, ensuring you always have the best rate.
If you aren’t able to find a lower rate, don’t stress! Keep shopping around every six to 12 months. As your accident ages, you should start to see lower rates as long as you maintain a clean driving record.
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free