How much will your rate increase if you submit a comprehensive claim?
Someone told me that car insurance rates increase when you submit claims; are comprehensive claims included in that? A hail storm dented my car and I'd like to get the dents repaired through my comprehensive coverage.
“The amount your car insurance increases after submitting a claim depends on a variety of factors.
It’s also not guaranteed your rate will change if you submit a comprehensive insurance claim.
Carriers all rate policies differently, so it can be hard to tell how a claim may impact your rate. However, a rate increase should not stop you from submitting a comprehensive claim if you need to repair the damage.
If your insurance ends up increasing after submitting a claim, you can always look at other car insurance companies. Since each company determines rates differently, you can likely find a more affordable car insurance policy with another carrier.
If you shop around and aren’t able to find a lower rate, you should continue to look every six months. As your claim ages, your rate should decrease.”
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