Comments on: How long do car accidents affect my insurance rates?

By: Pops

Pops — Sun, 01 Feb 2009 19:36:27 +0000

crizzy,
My son was involved in a wreck due to his speeding. Insurance went sky high. Existing carriers tend to take advantage of these situations.
I’ve shopped a lot and changed company. These gave me the best quotes for my 21yr. old son.
Be careful – his 5.0 “earned” him a ticket and now HE PAYS the insurance.

By: Amparo Q

Amparo Q — Sun, 01 Feb 2009 00:29:25 +0000

crizzy u, I recommend an online insurance quote. It’s free and quick to do.

By: Ailene K

Ailene K — Fri, 30 Jan 2009 23:07:44 +0000

In most states, accidents and violations can affect your insurance rates for up to three years. However, some states require accidents and violations to remain on your driving history for as long as five years. During this time, your auto insurance company may classify you as a higher-risk driver. This means that you could be charged more for your insurance than if you hadn’t been ticketed or at-fault in an accident. Accidents that weren’t your fault should not affect your insurance rates.

By: ad59

ad59 — Thu, 29 Jan 2009 20:23:21 +0000

Although the time affecting your premium varies from insurer to another, it is usually three years; and the effects tkes place from the time the body shop claims the payment for the repair to your car.