Candace Baker, Car Insurance Writer
@candacebaker
Yes, AAA does offer accident forgiveness through some of its regional clubs, though eligibility requirements and availability vary. For example, AAA Michigan, AAA Auto Club South, and The Auto Club Group offer claim forgiveness to drivers who have been claim-free for five years as part of their Advantage and Unlimited packages. Some other clubs don’t offer accident forgiveness at all.
AAA insurance premiums go up by an average of 59% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don’t qualify for AAA accident forgiveness, there are still other ways to lower your rate after an accident, including raising your deductible and dropping unnecessary coverage.
For more options, check out WalletHub's picks for the best accident forgiveness companies. You can also learn more from our accident forgiveness guide.
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How can I lower my car insurance after an accident?
One way you can lower your car insurance after an accident is by reducing the amount of coverage that you pay for. Another way to lower your premium is by comparing quotes from multiple insurers and finding a cheaper one. You can also take a defensive driving course and search for additional discounts from your current insurance provider. On average, an at-fault accident raises premiums by about 50%, and the increased cost lasts 3-5 years.
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read full answer by WalletHub, Financial CompanyIf a car accident is not your fault, does your insurance go up?
If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.
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A car accident stays on your record for insurance for three to five years, depending on the state and insurance company. After that period, an accident no longer appears on a driver’s record for insurance purposes and will not affect car insurance premiums directly.
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