Candace Baker, Car Insurance Writer
@candacebaker
No, Country Financial does not have accident forgiveness. As a result, Country Financial car insurance customers should expect their rates to go up by around 65% after an at-fault accident, even if it's their first one. If you are looking for a policy with accident forgiveness, it can be purchased from most major car insurance companies.
Best Car Insurance Companies for Accident Forgiveness
If you wish to keep your policy with Country Financial, there are other ways to lower your rate after an accident. For example, you can look for any additional discounts that you may qualify for. You might also consider temporarily reducing your 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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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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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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