Advertiser disclosure After an at-fault car accident, you ’ re probably worried about how your indemnity rates will be impacted. It ‘s not uncommon to see insurance premiums increase, but fortunately there are a few ways to get lower car policy after an accident. car accidents are not only emotionally and physically taxing, they can besides put a dent in your wallet. In this article, we describe seven childlike ways you can save yourself money by lowering car policy expenses after an at-fault accident. We ‘ve besides taken the fourth dimension to review the top car indemnity companies if you are considering a new supplier in the consequence of a collision. figure your zip up code in our quote comparison tool below to get started with release, individualized car insurance quotes seven days a week.

In this article:

1. Tell Your Car Insurance Provider About Your Accident

You may be tempted to not tell your car indemnity company about an accident if it is minor, but telling your policy spokesperson is a knowing decision. The owner of the fomite you hit can sue you for the damage you caused, tied weeks after its occurrence. If a driver sues you and you haven ’ metric ton reported the accident to your indemnity company, the insurance supplier can refuse to pay your legal bills and potential payments to the early driver. so, while an insurance company may raise your rates if you report an accident, it is much safer to report than not report it.

2. Ask Your Auto Insurer About Accident Forgiveness

Accidents are a separate of liveliness, and some car indemnity companies recognize that by offering accident forgiveness indemnity. The conditions required by each indemnity company for accident forgiveness are unlike, so it is best to give your supplier a call and ask what your conditions are. Some insurance companies forgive your foremost accident, and others forgive an accident after carrying policy with them for three to five years. Learn more in our scout to accident forgiveness policy. Companies that offer accident forgiveness include :

3. Find A Car Insurance Provider With A Lower Premium

Providers vary in their average cable car policy rates for drivers with at-fault accidents. In comparison to other leading providers, Geico and State Farm by and large offer lower cable car indemnity after an accident. Our review team wrote an article on the circus tent brassy car insurance providers, and these were our crown five picks : Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare policy coverage and choose the company that can offer the lowest rates. In addition to the indemnity ship’s company you choose, factors such as your senesce, vehicle reach and model, and driving history can affect your premium, so what ’ sulfur best for your neighbor might not be best for you. Use our tool below to start comparing brassy car indemnity providers.

4. Improve Your Credit Score

many drivers know that cable car policy companies consider a driver ’ sulfur accident history and whether they have a clean drive criminal record when determining rates, but did you know that a driver ’ randomness credit score can besides affect car indemnity premiums ? According to Investopedia, many insurers look at a driver ’ south credit history to determine the insurance rates they will offer. insurance companies believe that those with higher credit scores are less likely to file a claim. therefore, it ’ s a good theme to try to improve your credit. once your accredit score is raised, you may be able to get a more low-cost policy from a different provider or the one that you already work with.

5. Look Into Insurance Discounts

several car indemnity companies offer substantial discounts to their customers. The table below reveals common discounts that leading indemnity companies offer.

As you can see, many of the discounts vary based on the specific individual apply for a discount rate, so it is best to call the policy company to find out what your specific discounts would be. In addition to the discounts listed below, some insurance companies offer a discount for an anti-theft device. Geico offers a potential save of 25 percentage if you have an anti-theft system for your vehicle. Your insurance company should be able to tell you whether it offers this discount and which devices may qualify for it.

Insurance Provider Geico AAA Erie
Student Discount 15% 14% Varies
Multiple Car Discount 25% 27% 25%
Bundle Home and Auto Insurance Discount Varies Varies 25%
New Driver Discount Varies Varies 20%
Military Discount 15% Varies None
Senior Discount Varies Varies None
Defensive Driving Course 20% Varies None

6. Consider Dropping Your Comprehensive Coverage

comprehensive examination car insurance covers non-collision damage that is out of your control, such as price from a storm, ardor, or larceny. Since this type of policy is optional, you might consider stopping this coverage to lower cable car indemnity after an accident. Of course, stopping comprehensive coverage could expose you to heavy costs if a natural calamity or vandalism impacted your vehicle. If you have a identical old car with low value that you hope to replace soon, it might be worth dropping this coverage. If you have a relatively new car that you would like to drive for many more years, then dropping this coverage is not recommended.

7. Join A Usage-Based Car Insurance Program

Drivers who average less than 10,000 miles a year might consider joining a usage-based indemnity program. When you sign up for one of these programs, a telemetric device will be installed in your car to calculate possible discounts based on how much, how well, and/or when you drive. democratic usage-based programs include State Farm ‘s Drive Safe & SaveTM, Progressive ’ second Snapshot®, and Allstate ’ s Drivewise®. You could besides consider purchasing Metromile policy, which charges you entirely by the mile.

Recommended Providers To Lower Car Insurance After An Accident

The consequence of an accident is a big fourth dimension to compare your current car insurance supplier ’ second offerings to those of early leading providers. Below, learn why we trust State Farm and Geico insurance policies to help lower cable car insurance after an accident. Or start comparing car indemnity quotes right off by entering your zip code code here :

#1 State Farm Insurance: 4.5 Stars

We give State Farm a rate of 4.5 out of 5.0 stars for its coverage options, discounts, and affordability. These factors are important for person worried about rising policy costs after an at-fault accident. Maintaining an accident-free drive criminal record and making efforts to continually educate yourself on safe repel habits are rewarded by State Farm. Discounts are available for full students, safe drivers, customers who bundle multiple policies, and more. For drivers that are new to the road and worried about an at-fault collision, State Farm is a good option because it has programs to help adolescent drivers stay safe throughout their first years of driving. To learn more, read our full moon State Farm insurance review.

#2 Geico Insurance: 4.5 Stars

similar to State Farm, Geico car insurance earned a 4.5-star rat in our review. If you ‘re shopping around for new car insurance, Geico offers some of the lowest indemnity rates in the industry after at-fault collisions. Geico has a user-friendly mobile app that allows you to manage your report settings and cursorily file a claim at the site of a collision. This insurance company besides has good discounts to help you lower your agio, like having certain safety features installed on your car. To learn more about insurance coverage from this provider, read our wide Geico review.


In an campaign to provide accurate and unbiased data to consumers, our adept review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the follow categories, arsenic well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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